KR20090001944A - Method and system for - Google Patents

Abstract

A system and a method for credit recovery through a community service are provided to increase a community service frequency of a customer who needs credit recovery. A system for credit recovery through a community service comprises the following units. A relevant customer community service information registering server(100) confirms and stores a relevant customer who applies a community service for credit recovery. A community service application information registering server(105) registers approval information of the community service and information about institution where an applicant performs the community service.

Description

Method and system for supporting credit recovery through social service activities and recording media for it

1 is a view showing the configuration of a credit recovery support system through social service activities according to an embodiment of the present invention.

2 is a diagram showing the configuration of a social service customer information registration system according to an embodiment of the present invention.

3 is a diagram illustrating a process of registering credit recovery target information through social service activities according to an embodiment of the present invention.

4 is a diagram illustrating a system for registering application information for social service activities according to an embodiment of the present invention.

5A and 5B illustrate a process of registering application information for social service activities according to an exemplary embodiment of the present invention.

6A and 6B and 6C illustrate a process of registering application information for social service activities according to an exemplary embodiment of the present invention.

7 is a diagram illustrating a system for registering social service activity confirmation information for repayment of debt through social service activity according to an embodiment of the present invention.

8A and 8B illustrate a process of registering social service activity confirmation information for repayment of debt through social service activity according to one embodiment of the present invention.

9A, 9B, and 9C are diagrams illustrating a process of registering social service activity identification information for repayment of debt through social service activity according to one embodiment of the present invention.

<Description of main parts of drawing>

100: social service customer information registration server

105: social service application information registration server

110: social service activity confirmation information registration server

115: electronic document server

120: financial system

125: Ledger D / B

130: application information registration terminal

135: confirmation information registration terminal

The present invention selects a small debt customer (or a customer holding a depreciation bond) registered as a credit management target only by a predetermined financial institution in a predetermined customer information registration means as a target of credit recovery through social service activities, and the customer information and debt Storing the amount information in a predetermined storage medium in association with the amount information; When the customer requests the social service activity, storing the customer information, predetermined social service group information, social service contents information, and set amount of money per unit time in a predetermined information storage means in the storage medium; When a predetermined number of customer information and social service contents including social service group information and a predetermined time (or days) are registered in a predetermined social service group terminal, a predetermined validity checking means connects with the storage medium. Confirming, by the customer, the social service effectiveness of performing a predetermined service activity in the social service organization; Generating predetermined amount of debt reimbursement amount information on the basis of the set amount information per unit time and the social service contents information in association with the storage medium in a predetermined amount information generating means; And repaying an amount corresponding to the debt repayment amount among the debt amount of the customer in a predetermined debt repayment means; and a method and system for supporting credit recovery through social service, comprising: To provide.

In recent years, when a personal bankruptcy application (or a personal rehabilitation application) for a small debtor has increased rapidly, and the personal bankruptcy (or personal rehabilitation) is accepted, the small creditor is exempt from the debt (e.g. in the case of personal bankruptcy) A full exemption, in the case of individual rehabilitation, is exempt from the debt amount.

Recently, as the BJR (Bae Jae Ra) syndrome has become widespread in society, the necessity to prevent unjust bankruptcy (or personal regeneration) is recognized throughout society, but on the other hand, it is too much to reject such personal bankruptcy (or personal regeneration). In this case, it involves the problem of damage to the debtor who actually needs personal bankruptcy (or personal rehabilitation).

The present invention has been made to solve the above problems, credits a small debt customer (or a customer holding a depreciation bond) registered only in a predetermined financial institution in a predetermined customer information registration means through credit service activities Selected as a recovery target customer, the customer information and debt amount information are linked and stored in a predetermined storage medium, and when the customer applies for the social service activity, the customer information and predetermined social service group information are stored in a predetermined information storage means. And social service contents information and the amount of information set per unit time are stored in the storage medium, and the predetermined social service group terminal includes predetermined customer information, the social service group information, and the predetermined social service time (or days). When the social service contents information is registered, a predetermined validity confirming means is linked with the storage medium to provide the information. The validity of the social service performed by the social service organization performed a predetermined service activity is determined, and a predetermined amount of money information is generated based on the predetermined amount of money information per unit time and the social service contents information in connection with the storage medium. It is an object of the present invention to generate a debt repayment amount information, and to process the amount corresponding to the debt repayment amount of the debt amount of the customer in the predetermined debt amount repayment means.

Credit recovery support method through social service activities according to the present invention, credits a small debt customer (or a customer holding a depreciation bond) registered only in a predetermined financial institution in a predetermined customer information registration means through a social service activity Selected as a recovery target customer, the customer information and debt amount information are linked and stored in a predetermined storage medium, and when the customer applies for the social service activity, the customer information and predetermined social service group information are stored in a predetermined information storage means. And social service contents information and the amount of information set per unit time are stored in the storage medium, and the predetermined social service group terminal includes predetermined customer information, the social service group information, and the predetermined social service time (or days). When the social service content information is registered, a predetermined validity confirming means connects the storage medium to the customer. Check the validity of the social service that has performed a predetermined service activity in the existing community service organization, and the predetermined amount of information information generation means in connection with the storage medium based on the amount of information set per unit of time and the information on the content of the social service And generating reimbursement amount information and repaying the amount corresponding to the debt repayment amount of the debt amount of the customer in a predetermined repayment amount repayment means.

In addition, the credit recovery support method through the social service, characterized in that the information storage means further comprises the step of storing the debt repayment amount information in the storage medium in association with the customer information.

Credit recovery support system through a social service according to the present invention, characterized in that it comprises a recording medium characterized in that the program for executing the credit recovery support method through the social service activity.

The credit recovery support system through social service activities according to the present invention, by selecting a small debt customer (or a customer holding a depreciation bond) registered as a credit management target only to a predetermined financial institution as a customer to be credit recovery through social service activities Customer information registration means for storing customer information and debt amount information in a predetermined storage medium, and when the customer applies for the social service activity, the customer information, predetermined social service group information, social service contents information, and unit time Information storage means for storing information on the storage medium in association with a predetermined amount of money information and social service contents including predetermined customer information, the social service group information, and a predetermined social service time (or days) at a predetermined social service group terminal; When the information is registered, the customer performs a predetermined service activity in the social service organization in association with the storage medium. Validation means for verifying the validity of a social service, money information generating means for generating a predetermined amount of debt repayment amount information on the basis of the set amount of information per unit time and the social service content information in connection with the storage medium, and the customer And a debt amount reimbursement means for reimbursing an amount corresponding to the debt reimbursement amount among the debt amounts.

According to the present invention, by supporting the credit recovery through the social service activity, it is possible to expect the expansion of the credit recovery opportunities of the credit management target customer and thereby increase the customer satisfaction.

According to the present invention, the financial institution can support the credit recovery through the social service activity, it can be expected to increase the image of promoting the social activity of the financial institution.

According to the present invention, the social service organization may expect the activation of the social service activity as the financial institution supports the credit recovery through the social service activity.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram showing the configuration of a credit recovery support system through social service activities according to the embodiment of the present invention.

In more detail, FIG. 1 shows a predetermined amount of debt information about the customer information of a customer corresponding to a small debt customer (or an amortization holder) whose credit management target information is registered in only one financial institution. Volunteer service information is stored in a predetermined storage medium provided in the customer information registration system as a predetermined social service activity credit recovery target information, and if a given customer requests a social service activity through the terminal, in response to the social service activity application The social service activity application information registration server 105 approves the social service activity application to the customer terminal in association with the social service activity application information corresponding to the social service activity application from the customer terminal, and applies for the social service activity application. When the approved customer volunteers for the social service, the social service activity confirmation information registration server 110 handles the social service activity. Receiving social service activity information for the customer from a community service organization, repaying the debt of the customer in response to the social service activity information, and supporting the customer's credit recovery The configuration of the support system is shown.

Referring to Figure 1 according to an embodiment of the present invention, the social service activity credit recovery support system, social service activity customer information registration server for identifying and storing the target person who can support the credit recovery through the social service activity ( 100) and, when a predetermined customer requests registration of social service activity application information, approval of the social service activity application of the customer and the customer based on a storage medium provided in the social service activity customer information registration server 100; Debt amount of the customer by registering the social service activity information registration server 105 for registering information about the organization that should be social service activity, and the customer service activity confirmation information of the customer from the social service activity group selected by the customer Social service activity confirmation information registration server 110 for reimbursing the social service application electronic document corresponding to the registered social service activity application information and The electronic document server 115 that stores the social service confirmation electronic document corresponding to the registered social service activity confirmation information, and stores the customer's debt amount repayment history, when the customer's debts are all repaid, the customer It is characterized by comprising a financial system 120 to recover the credit of.

The social service customer information registration server 100 is a small debt customer (or credit management target information registered on the basis of the customer ledger and account ledger included in the ledger D / B 125 of the financial system 120 (or And confirms the depreciation bond holder), and transmits the information about the small debt customer (or the depreciation bond holder) in which the identified credit management target information is registered to the external financial system 120, and from the external financial system 120. Receiving information including whether or not the credit management target information is registered or whether the credit management target information for the debtor customer (or amortization holder), the microdebt customer (or amortization holder) Customer information corresponding to the &quot;) and the debt amount information corresponding to the customer information are entered.

The social service activity application information registration server 105 matches the customer information included in the social service activity application information of the customer with the customer information in the social service activity customer information registration server 100, and the social of the customer. When the service activity application eligibility is checked, and the customer's eligibility for social service activity application is confirmed, predetermined social service group information included in the predetermined storage medium provided in the social service activity application information registration server 105 and predetermined The social service activity application information including the contents of the community service organization and a predetermined amount of time per unit of information is sent to the customer, and the social service activity application information registration server input by the customer to the social service activity application information registration server 105 Received at), characterized in that to confirm and register the customer service activity information of the customer.

The social service activity registration information registration server 105 includes at least one terminal terminal provided in a financial institution branch (or branch), or a client terminal including a wired terminal or a wireless terminal connected through a predetermined communication network. Checking and registering the social service activity application information in connection with the device.

According to the implementation method of the present invention, the social service activity application information registration server 105 at least in the process of registering the social service activity application information registration of the customer information and social service activity application information for registration of the social service activity application information. It is preferable to generate a social service request electronic document including one or more and provide it to the electronic document server 115 through a predetermined communication means, and correspondingly, the electronic document server 115 stores the social service request electronic document. Do.

Here, the social service request electronic document comprises a function of ensuring the integrity and non-repudiation of the social service activity application information.

The social service activity confirmation information registration server 110 receives the predetermined social service activity content information of the customer from a predetermined social service group selected by the customer, the amount of debt of the customer based on the social service activity content information Characterized in that the reimbursement.

According to the method of the present invention, the social service activity confirmation information registration server 110 at least in the process of registering the social service activity confirmation information customer information and social service activity confirmation information for registration of the social service activity confirmation information registration It is preferable to generate a social service confirmation electronic document including one or more and provide it to the electronic document server 115 through a predetermined communication means, and correspondingly, the electronic document server 115 stores the social service confirmation electronic document. Do.

Here, the social service confirmation electronic document comprises a function of ensuring the integrity and non-repudiation of the social service activity confirmation information.

The financial system 120 has ledger information corresponding to social service activity credit recovery target information generated by the social service activity customer information registration server 100, and the social service activity confirmation information registration. In connection with the server 110, it is characterized in that it performs functions such as debt amount repayment processing and ledgers for the social service activity credit recovery target.

According to an embodiment of the present invention, the financial system 120 includes an account system for processing a window service such as a credit or a reception occurring in at least one branch (or window), a headquarters business, a branch office information support, and customer information. At least one non-face-to-face financial transaction means provided with an information system for processing management and interconnection between the financial system 120 and at least one other financial system 120 (or payment system), or at least one external communication network. Access to the financial system 120 from Internet banking, wireless banking, IC chip based wireless banking, tele banking, TV banking, etc., or at least one common network (eg, CD common network, financial common network). Characterized in that it comprises an external system that provides a variety of financial transaction interface through, and the financial system 120 is the financial Interface module corresponding to the middleware platform that provides inter-component interfacing within system 120, and predetermined information (for example, ledger information) required for each function in components in financial system 120. Or a database management system (DBMS) including at least one database for storing and managing customer information, management information, etc.).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 125 according to the type of each financial institution and the purpose and characteristics of the financial system 120; Not only do you know at least one ledger additional information corresponding to each ledger information, but each ledger information is linked and stored in relational relation, or predetermined ledger information and at least one ledger additional information are linked relationally. Since it will be understood that the processed and stored, detailed description thereof will be omitted for convenience.

The external financial system 120 includes all financial systems 120 except for the financial system 120, and the credit for the social service activity for the external financial system 120 in connection with the financial system 120 is restored. It is characterized by checking whether the subject is in debt or whether the subject of credit management.

Referring to FIG. 1 according to an embodiment of the present invention, the social service activity customer information registration server 100, the social service activity application information registration server 105 and the social service activity confirmation information registration server 110 are separate. Although illustrated as being configured as a server, the server configuration of the present invention is the social service activity customer information registration server 100, the social service activity application information registration server 105 and the social service activity confirmation information registration server 110 The social service activity customer information registration server 100, the social service activity application information registration server 105, and the social service activity confirmation information registration server 110 may be configured as one server or may be limited to each server. It is possible to implement in the form of a separate module (or device) to the program module provided in each server for each functional configuration provided, thereby making it clear that the present invention is not limited Bayida put it turns out.

2 is a diagram showing the configuration of a community service activity customer information registration system according to an embodiment of the present invention.

In more detail, the figure 2 shows a system for registering a social service activity customer information system that registers a small debtor (or an amortization holder) whose credit management target information is registered as a customer for credit recovery through social service activities. For those of ordinary skill in the art to which the present invention pertains, various implementations of the social service activity customer information registration system for registering or retrieving the subject information of the credit recovery through the social service activity by referring to or modifying the drawing 2 The method may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 2, the social service activity customer information registration system registers a small debtor (or a depreciable bond holder) whose credit management target information is registered to a predetermined financial institution as a customer who is eligible for credit recovery through social service activities. At least one financial system 120 (or financial system 120 provided in the financial institution or at least in addition to the financial institution) having an activity customer information registration server 100 (or customer information registration means) and a ledger for the customer. One or more external financial systems 120, and a predetermined amount of storing the customer information that is not liable to the credit management subject to the external financial system 120 confirmed by the social service customer information registration server 100 It is characterized by comprising a storage medium 225.

The financial system 120 is a system provided in a financial institution linked to the social service customer information registration system, which is intended by those skilled in the art or the type of each financial institution in which the financial system 120 is provided (eg, a commercial bank, According to the purpose and characteristics of the savings bank, trust bank) and the financial system 120, at least one component such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown) It is possible to further include, and those skilled in the art to which the present invention pertains, since it will be familiar with the technical details of the financial system 120, a detailed description thereof will be omitted for convenience, Thereby, this invention is not limited.

The external financial system 120 is a system provided in a financial institution that is not associated with the social service customer information registration system, and is intended by those skilled in the art or the type of each financial institution in which the financial system 120 is provided (eg, commercially available). Banks, savings banks, trust banks) and at least one of foreign exchange modules (not shown), investment finance modules (not shown), and international modules (not shown), depending on the purpose and characteristics of the financial system 120. It is possible to further include components, and those skilled in the art to which the present invention pertains, since the technical details of the financial system 120 will be familiar with, so the detailed description thereof will be omitted for convenience. The present invention is not limited thereto.

The storage medium 225 is provided in the ledger D / B 125 on the financial system 120, or in a predetermined database associated with the ledger D / B 125, according to the intention of the skilled person It is all possible to be provided on at least one or more banking systems, whereby the present invention is not limited.

The storage medium 225 provided on the social service activity customer information registration system according to the present invention is included in the credit management subject having the micro debt in the financial system 120, and the debt in the external financial system 120. It is characterized by storing customer information that is not included in the credit management target.

According to the implementation method of the present invention, the subject information of the credit recovery through the social service activity is for the customers who do not have a debt in the external financial system 120 and are not subject to credit management among the credit management subjects who report the small debt. At least one of customer information and debt amount information including a debt for the customer information is preferably included.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system 120 associated with the social service activity customer information registration system in response to the customer. It is preferable to include at least one.

The debt amount information is information about a debt amount corresponding to the customer information, and preferably includes at least one small amount of debt (eg, 10,000 won, 100,000 won, 1 million won, etc.).

According to the implementation method of the present invention, the standard for the small amount indicated in the debt amount information generally refers to the amount that can be repaid through social service activities (for example, if the debt amount is 1 billion, even if the lifelong social service is realistically reimbursed) Difficulty), it is possible to apply various ranges of small amounts according to the intention of those skilled in the art.

Referring to FIG. 2, the social service activity customer information registration server 100 confirms the target customer who confirms the information of the micro debt customer (or the amortization holder) in which the credit management target information is registered in connection with the financial system 120. The external financial system 120 stores the information of the small-debt customer (or depreciable credit holder) in which the credit management target information confirmed by the target customer verification unit 200 and the sub-200 (or target customer verification means) are registered. Debt customer information transmission unit 205 (or target customer information transmission means) and the small-debt customer (or amortization holder) information registered credit management target information from the external financial system 120 Based on the target customer information receiving unit 210 (or target customer information receiving unit) for receiving information on whether or not the subject of credit management, and the information received by the target customer information receiving unit 210.

An information checking unit 215 (or an information checking unit) for confirming information not included in the external financial system 120 that has no debt and is not subject to credit management among credit management subjects who report the small debt, and the information checking unit And an information storage unit 220 (or information storage means) for storing the information identified in 215 on the storage medium 225. The target customer identification unit 200 according to the intention of a person skilled in the art. ) And the information confirmation unit 215 may be composed of a single functional configuration unit, by which the present invention is not limited.

The target customer confirming unit 200 checks the small debt customer (or depreciation bond holder) information in which the credit management target information is registered in connection with the financial system 120.

When the small debt customer (or amortization holder) information in which the credit management target information is registered is confirmed by the target customer verification unit 200, the target customer information transmission unit 205 sends the credit to the external financial system 120. Characterized in that the management information is registered micropayment customer (or amortization holder) information.

The target customer information receiving unit 210 receives information including the presence or absence of a debt or credit management target for the small-debt customer (or amortization holder) registered with the credit management target information from the external financial system 120 It is characterized by.

The information checking unit 215 is based on the information including whether the credit management target information received from the external financial system 120, whether or not the debt or credit management targets for the registered small debt customer (or depreciable bond holder) To check the information on the subject of the credit recovery through the social service activity.

The information storage unit 220 stores the information on the subject of credit recovery through the social service activity identified by the information confirmation unit 215 in the storage medium 225.

3 is a diagram illustrating a process of registering credit recovery target information through social service activities according to an embodiment of the present invention.

In more detail, FIG. 3 is a micro-debt customer (or amortization holder) in which the social service activity customer information registration server 100 shown in FIG. 2 is registered with the credit management target information included in the financial system 120. After confirming the information, the small credit customer (or amortization holder) information registered with the identified credit management target information is transmitted to the external financial system 120, and the social service activity customer information registration server 100 Receive information from the external financial system 120 including information on whether the credit management target information is registered or whether or not the credit management target for the small debt customer (or amortization holder), and the credit management information is registered Credit society through the above-mentioned social service activities based on information including whether the debtor (or amortization holder) is in debt or not Determine the target person information, and shows a method of storing in the storage medium 225.

Hereinafter, in FIG. 3, the social service activity customer information registration server 100 illustrated in FIG. 2 is referred to as a “server” for convenience.

Referring to FIG. 3, the server checks the information of the small debt customer (or the amortization holder) in which the credit management target information is registered in connection with the financial system 120 (300), and transmits the information to the external financial system 120. In order to check whether there is a debt or a credit management target, information about a small debt customer (or amortization holder) registered with the credit management target information is transmitted to the external financial system 120 ((305).

Subsequently, the server receives information including the presence or absence of a debt or credit management target for the small debt customer (or amortization holder) registered with the credit management target information from the external financial system 120 (310). The information on whether the credit management target information is included in the external financial system 120 for the registered micro debt customer (or the holder of the depreciation bond) or whether the credit management target subject is checked is checked.

If, on the server, the credit management target information is not registered in the micro debt client (or amortization holder) and there is no debt to the external system and is not included in the credit management target (320), the credit management target information in the server Stores the registered small debt customer (or amortization holder) information in the storage medium 225. (325)

The financial system 120 has ledger information corresponding to social service activity credit recovery target information generated by the social service activity customer information registration server 100, and the social service activity confirmation information registration. In connection with the server, it is characterized in that it performs functions such as debt amount repayment processing and general ledger for the social service activity credit recovery target.

According to an embodiment of the present invention, the financial system 120 includes an account system for processing a window service such as a credit or a reception occurring in at least one branch (or window), a headquarters business, a branch office information support, and customer information. At least one non-face-to-face financial transaction means provided with an information system for processing management and interconnection between the financial system 120 and at least one other financial system 120 (or payment system), or at least one external communication network. Access to the financial system 120 from Internet banking, wireless banking, IC chip based wireless banking, tele banking, TV banking, etc., or at least one common network (eg, CD common network, financial common network). Characterized in that it comprises an external system that provides a variety of financial transaction interface through, and the financial system 120 is the financial An interface module corresponding to a middleware platform that provides inter-component interfacing within the stem 120, and predetermined information (eg, ledger information) required for each function in a component in the financial system 120. Or a database management system (DBMS) including at least one database for storing and managing customer information, management information, etc.).

According to the present invention, the DBMS provided in the financial system 120, the financial institution opens at least one tax refund mortgage loan account to at least one financial transaction customer, based on the tax refund mortgage loan account And at least one ledger D / B 125 for storing at least one ledger for providing at least one financial transaction service, wherein the ledger D / B 125 is provided by the financial institution. Specify at least one ledger information (eg, customer ledger, receiving ledger, collateral ledger, etc.) for processing at least one financial transaction to be provided to the customer and corresponding to each ledger information (eg, each ledger's attributes / functions) (Or supplements) at least one of the ledger additional information is stored in association with the relationship (relationship) do.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 125 according to the type of each financial institution and the purpose and characteristics of the financial system 120; Not only do you know at least one ledger additional information corresponding to each ledger information, but each ledger information is linked and stored in relational relation, or predetermined ledger information and at least one ledger additional information are linked relationally. Since it will be understood that the processed and stored, detailed description thereof will be omitted for convenience.

4 is a diagram illustrating a system for registering application information for social service activities according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates a society in which a predetermined customer includes at least one customer information and customer approval information for a credit recovery through the social service activity through a social service activity application information registration system through a predetermined application information registration interface. When providing the service activity application information, the social service activity application information registration system generates a predetermined social service application electronic document containing the provided social service activity application information and store in a predetermined electronic document storage, the social service activity The customer information and customer approval information included in the application information, the customer information and debt amount information included in the storage medium 435 provided in the social service activity customer information registration system shown in FIG. Information on social service organizations and social services included in social service D / B 440 in the registration system This is a system configuration for storing information stored in the storage medium 435 provided in the social service activity application information registration system by linking the usage information and the set amount information per unit time. Specifically, the electronic document repository is provided through a predetermined communication means. It relates to an implementation method provided on an external system associated with the social service activity application information registration system.

Those skilled in the art to which the present invention pertains can refer to or modify this drawing 4 to infer various implementation methods for the construction of a system for applying for volunteer service information registration for credit recovery through social service activities. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to or modify the drawing 4 to infer an implementation method provided in the DBMS in which the electronic document repository is located in the social service application information registration system. As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 4, the social service request electronic document is illustrated as being generated on the server side on the social service activity application information registration system, but the present invention is not limited thereto. The social service request electronic document may be generated on a terminal side that inputs (or selects) the social service activity application information and transmits the information (eg, an electronic document generation function provided on the server side to the terminal side. Generate a social service request electronic document), thereby the present invention is not limited.

Hereinafter, receiving the social service activity application information from the customer through a predetermined application information registration interface on the social service activity application information registration system shown in FIG. 4, a predetermined social service application electronic document is generated to generate a predetermined electronic document. A component corresponding to at least one or more means or functional configuration for storing in the storage and storing the social service activity application information in a predetermined storage medium 435 is referred to as "social service activity application information registration server 105" for convenience. .

Referring to FIG. 4 according to an embodiment of the present invention, the system for registering social service activity information for credit recovery through the social service activity includes a client terminal including at least one wired terminal or a wireless terminal used by a customer. It characterized in that it comprises a customer terminal including at least one or more, the customer terminal is a social service activity application information registration server 105 provided on the social service activity application information registration system through a predetermined network means. And communication channel are connected.

According to one embodiment of the invention, the customer is connected to the social service activity application information registration server 105 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. And input (or select) social service activity application information for credit recovery through the social service activity through at least one user interface provided by the social service activity application information registration server 105, and at the client terminal. It is preferable to transmit to the social service activity application information registration server 105 provided on the social service activity application information registration system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). Or at least one home appliance terminal (eg, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable.

In addition, a wireless terminal connected to the wireless communication network is connected to all terminal devices connected to a mobile communication network based on Code Division Multiple Access (CDMA) (or High-Speed Downlink Packet Access (HSDPA)), or a mobile Internet based on IEEE 802.16x. General term for all terminal devices or all terminal devices connected to an IEEE 802.11x-based wireless LAN, a Personal Communication System (PCS) or Global System for Mobile (GSM) connected to the CDMA-based (or HSDPA-based) mobile communication network. communications terminal or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or Smartphone (Smart Phone) or Telematics, or the IEEE A portable Internet terminal connected to an 802.16x based portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x based wireless LAN It is preferable to include at least one or more.

In addition, the social service activity registration information registration server 105 connected to the client terminal is any one of an Internet banking server, a wireless banking server, a tele banking server or a TV banking server according to the characteristics of the client terminal and network means, or It is preferable to include a separate web server for registering the application information.

The network means for connecting the client terminal and the social service activity registration information registration server 105 may be a CDMA based (or HSDPA based) mobile communication network or an IEEE 802.16x based network depending on the type of wireless communication network to which the client terminal is connected. It is preferable that either the portable Internet or the IEEE 802.11x-based wireless LAN, or a wireless communication network of all kinds proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one user interface provided by the social service activity information registration server 105, and input or select at least one information through the user interface to register the social service activity application information It is preferable that a function configuration (e.g., a browser program and a communication function or a predetermined communication program and a communication function communicating with the social service activity application information registration server 105, etc.) for transmission to the server 105 is provided. .

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the social service activity registration information registration system, a client terminal including at least one wired terminal or a wireless terminal used by the customer, the client terminal and the social service activity application information registration server 105 At least one wired or wireless communication network to be connected performs a function of an application information registration interface for the customer to register social service activity application information for credit recovery through the social service activity.

The storage medium 435 provided on the social service application information registration system according to the present invention is the customer information and customer approval information included in the social service activity application information provided from the customer terminal and shown in FIG. Customer service and debt amount information included in the storage medium 435 provided in the social service activity customer information registration system and social service included in the social service D / B 440 provided in the social service activity information registration system The group information, the social service contents information, and the set price information per unit time may be processed to be stored in a predetermined storage medium 435.

The customer information is customer information included in the storage medium 435 provided in the social service activity customer information registration system shown in FIG. 2, and the personal information of the customer (eg, the name, resident registration number, address, telephone number of the customer). , Mobile phone number, e-mail address, etc., and the member information of the customer (e.g., the financial service associated with the social service customer information registration system corresponding to the customer by the customer joining as a financial transaction customer of the financial institution). It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number and the like provided in the customer ledger provided on the system 120.

The debt amount information is information about the debt amount corresponding to the customer information included in the social service activity credit recovery target information registered through the social service activity customer information registration system shown in FIG. For example, it is preferable to include at least one of 10,000 won, 100,000 won, 1 million won and the like).

According to the implementation method of the present invention, the standard for the small amount indicated in the debt amount information generally refers to the amount that can be repaid through social service activities (for example, if the debt amount is 1 billion, even if the lifelong social service is realistically reimbursed) Difficulty), it is possible to apply various ranges of small amounts according to the intention of those skilled in the art.

The social service group information is information on an organization supporting the social service activity, including the address of the social service group (or homepage address) and the institution managing the social service group (for example, the city / gu / county of jurisdiction). It is preferable to include at least one.

The information on the contents of the social service includes the types of work (e.g., endeavor service, learning service, technical service, medical service, emotional service, work support service, cultural service, professional service, community service, and resident culture). Welfare center service, etc.) and social service hours (or days).

Preferably, the amount of time information set per unit includes at least one amount of time set for the type of work done by the social service group and at least one amount set per day for the type of work done by the social service organization.

According to an exemplary embodiment of the present invention, the storage medium 435 is provided to a DBMS on the financial system 120 provided on the social service activity application information registration system (or associated with the social service activity application information registration system). Preferably, the storage medium 435 is a ledger D / B (125) provided in the DBMS on the financial system 120, or a predetermined database associated with the ledger D / B (125) The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 435 is provided on (or associated with) the social service application information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

The social service activity application information registration server 105 provided on the social service activity application information registration system according to the present invention is a component of the social service activity application information registration system connected to the customer terminal through a predetermined network means. Collectively, may be implemented by including at least one server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), thereby limiting the present invention. Not.

According to an embodiment of the present invention, when the customer terminal is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the social service activity registration information registration server 105 is Any server (or device) that is a predetermined Internet banking server provided on the Internet banking system, or a program included in the Internet banking server, or accessible to the external system of the financial system 120 through the Internet banking system. ), A program included in the server (or device), or a server (or device) included in the external system on the financial system 120 accessible through the Internet banking server (or the server (or device)). Or, or may be a program provided in the external system on the financial system 120, thereby the present invention This is not limited.

According to another exemplary embodiment of the present invention, when the customer terminal is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the social service activity registration information registration server 105 is the wireless banking. A predetermined wireless banking server provided on the system, a program provided in the wireless banking server, or a predetermined server (or device) accessible to the external system of the financial system 120 through the wireless banking system; A program included in the server (or device), or a server (or device) provided in the external system on the financial system 120 accessible through the wireless banking server (or the server (or device)), Or it may be a program provided in the external system on the financial system 120, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the customer terminal is a call terminal (not shown) connectable with a telebanking server on a predetermined telebanking system, the social service activity application information registration server 105 is configured for the telebanking. Any telebanking server (eg, an Automatic Response Service (ARS) server) provided on the system, or a program included in the telebanking server, or an external system of the financial system 120 through the telebanking system. A server (or device) that is accessible to the server, a program included in the server (or device), or a destination on the financial system 120 accessible through the telebanking server (or the server (or device)). It may be a server (or device) provided in the alien, or a program provided in the external world on the financial system 120, whereby the present invention Not determined

According to another exemplary embodiment of the present invention, when the customer terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the social service activity registration information registration server 105 is A predetermined TV banking server provided on the TV banking system, a program included in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system 120 through the TV banking system. Or a server (or device) provided in the external system on the financial system 120 accessible through the TV banking server (or the server (or device)) or a program provided in the server (or device). Or, it may be a program provided in the external system on the financial system 120, whereby the present invention is not limited.

According to the method of the present invention, the social service activity information registration server 105 is provided with an interface unit 400 (or interface means) for connecting and managing a predetermined communication channel with the customer terminal through the network means. Characterized in that made.

According to an embodiment of the present invention, when the customer terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface unit 400 is defined in the wired communication network or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on the established protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is desirable to.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 400 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the social service activity registration information registration server 105, the interface unit 400 is based on the TCP / IP protocol. It connects a communication channel with a client terminal and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the customer terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 400 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to a WAP (5ireless Application Protocol) or ME (Mobile Explorer) protocol, the interface unit 400 connects a communication channel with the client terminal based on the CDMA protocol. A WAP / ME protocol defined in the browser program provides a communication interface for transmitting and receiving a web page (eg, a WML (5 wireless markup language) compliant web page or an HTML compliant web page) or information.

Alternatively, when the client terminal is provided with a communication program (eg, IC chip based banking program) provided by the social service activity registration information registration server 105, the interface unit 400 is based on the CDMA protocol. It connects a communication channel with the client terminal and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 400 is a voice call protocol defined in the wired telephone network or a wireless telephone network. It is desirable to provide a communication interface for connecting the call terminal (not shown) with a predetermined call path based on the voice call and transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 400 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the customer terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 400 is based on a protocol stack defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or interactive digital TV), and transmit or receive at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or interactive digital TV). It is desirable to provide a communication interface for the purpose.

Referring to FIG. 4, the social service activity application information registration server 105 connects a predetermined communication channel to a social service activity application information registration server 105 through a predetermined client terminal through the interface unit 400. In the case, at least one user interface for inputting (or selecting) predetermined social service activity application information from the client terminal and transmitting it to the social service activity application information registration server 105 for credit recovery through the social service activity And an interface providing unit 405 (or interface providing means) for generating (or extracting) and providing the generated (or extracted) user interface to the customer terminal in association with the interface unit 400, and the customer terminal. In the input (or select) the social service activity through the user interface and transmits, the interface unit 400 is linked Provided with a female information receiver 410 (or an information receiving means) for receiving the community service application information sent from the customer terminal it is characterized in that formed.

The interface providing unit 405 is connected to the social service activity application information registration server 105 and a predetermined communication channel through the interface unit 400, the social service activity application information registration server ( 105, if the user interface for credit recovery through the social service activity is requested, the social service activity application information registration server is input through the network means by inputting (or selecting) predetermined social service activity application information from the client terminal. Create at least one user interface to be transmitted to 105, or extract it from a predetermined database (not shown), and link the network means with the generated (or extracted) user interface in conjunction with the interface unit 400. Characterized in that provided to the customer terminal through.

When the customer terminal is a client terminal including a wired terminal connected to a predetermined wired communication network according to an exemplary embodiment of the present invention, the interface providing unit 405 is provided by a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface as possible, and provide the generated (or extracted) user interface to the client terminal through the interface unit 400.

According to another exemplary embodiment of the present invention, when the client terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 405 is a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the client terminal through the interface unit 400.

According to another exemplary embodiment of the present invention, when the customer terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 405 may be provided to the call terminal (not shown). It is preferable to generate (or extract) a user interface of the user interface, and provide the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 400. Do.

According to another exemplary embodiment of the present invention, when the customer terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface providing unit 405 is provided to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 400.

According to another embodiment of the present invention, at least one or more users who input (or select) predetermined social service activity application information to the customer terminal to transmit to the social service activity application information registration server 105 through the network means. When a predetermined application information registration program having an interface is provided, a user interface for inputting (or selecting) predetermined social service activity application information as described above and transmitting the predetermined application information to the social service activity application registration server 105 is provided. The interface providing unit 405 which is generated (or extracted) and provided to the customer terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the client terminal inputs (or selects) social service activity application information including at least one of the customer information and customer approval information through the user interface, and inputs the input (or selected) community service activity application information. The social service activity registration information registration server 105 is transmitted through the network means. In response, the information receiving unit 410 is connected to the interface unit 400 and is transmitted from the customer terminal. Receive activity request information.

According to the implementation method of the present invention, the social service activity application information is preferably made of customer information, customer approval information and the like.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system 120 associated with the deposit (or savings) account opening system in response to the customer; It is preferable to include at least one or more.

The customer approval information is information including approval of the customer for the social service activity application, and preferably includes at least one or more information that agrees to the terms and conditions for the social service activity application.

According to the implementation method of the present invention, the customer terminal to the social service activity application information including at least one or more of the customer information and customer approval information from the social service activity application information registration server 105 to the social service activity application information; At least one or more of a predetermined password or security card information or an OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the social service activity registration information registration server through the network means It is preferable to transmit to 105.

According to an embodiment of the present invention, the client terminal includes at least one encryption method (for example, symmetric key based encryption or public key based encryption) for social service activity request information including at least one of the customer information and customer approval information. System, or an electronic envelope-based encryption method, or a key exchange-based encryption method, or the like, or attaches a predetermined electronic signature to the social service activity application information through the network means. 105), for this purpose, the client terminal has at least one encryption key corresponding to the encryption method, or has a predetermined certificate including at least one encryption key, or the certificate If the certificate is provided on a given IC chip (or IC card), It is equipped with a card reader for identifying the certificate provided in the IC chip (or IC card) is preferred.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the social service application information, and technical features of attaching a predetermined electronic signature to the social service activity application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Referring to FIG. 4, when the social service activity application information registration server 105 receives the social service activity application information transmitted from the client terminal through the information receiving unit 410, the received social service activity application information is received. Is characterized in that it comprises a validity confirming unit 415 (or validity confirming means) for confirming whether the satisfaction for credit recovery through the social service activity.

According to the method of the present invention, the social service activity request information is at least one encryption method (for example, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.) ), The validity verification unit 415 is one or more decryption methods (eg, symmetric key based decryption method, public key based decryption method) corresponding to the encrypted social service activity request information; Or electronic envelope-based decryption scheme, or key exchange-based decryption scheme, etc.), thereby validating the validity of the received social service activity application information.

Alternatively, when a predetermined electronic signature is attached to the social service activity application information, the validity verification unit 415 checks the electronic signature attached to the social service activity application information, thereby receiving the received social service activity application information. It is desirable to authenticate validity.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted social service activity application information, and a technology for confirming an electronic signature attached to the social service activity application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

When the social service activity application information received through the information receiving unit 410 according to an embodiment of the present invention further includes a predetermined password for checking the validity of the social service activity application information, the validity confirmation unit 415, by comparing and authenticating the received password included in the social service activity application information and the password provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received social service activity application information Do.

Alternatively, when the social service activity application information received through the information receiving unit 410 further includes predetermined security card information for checking the validity of the social service activity application information, the validity confirmation unit 415 Compare and authenticate the security card information included in the social service application information and the security card information provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received social service activity application information. desirable.

Alternatively, when the social service activity application information received through the information receiving unit 410 further includes a predetermined OTP code for checking the validity of the social service activity application information, the validity confirmation unit 415 is Comparing and authenticating the received OTP code included in the social service activity application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received social service activity application information It is desirable to authenticate the validity of the.

According to the implementation method of the present invention, the validity of the social service activity application information to the social service activity application information registration system in the ledger D / B (125) on the financial system 120 linked to the social service activity application information It is preferable to include a check whether at least one or more ledger information is matched with.

For example, the validity checker 415 may include a financial system in which the customer information (customer information, member information, etc.) of the information included in the social service activity application information is linked to the social service activity application information registration system ( It is preferably made to include matching with the customer ledger stored in the ledger D / B (125).

In addition, the verification of the validity of the social service activity request information is the customer information stored in the storage medium 435 on the social service activity customer information registration server shown in Figure 2 the customer information included in the social service activity request information It is desirable to include a check that matches with.

Referring to FIG. 4, when the validity of the social service activity application information is authenticated through the validity verification unit 415, the social service activity application information registration server 105 includes the received social service activity application information. An electronic document storage unit 420 (or an electronic document generating means) for generating a predetermined social service request electronic document, and an electronic document repository in which the generated social service application electronic document is associated with the social service activity application information registration system. It characterized in that it comprises an electronic document transmission unit 425 (or electronic document transmission means) for transmitting to.

The electronic document generator 420 may generate a social service request electronic document including the social service activity application information received from the customer terminal through the information receiver 410.

According to an exemplary embodiment of the present invention, the electronic document generating unit 420 may include document content including at least one of customer information and customer approval information included in social service activity request information received through the information receiving unit 410. And a word processor file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including the document content, or an MHT. Web document file, etc.) is preferably processed as a social service request electronic document for credit recovery through the social service activity.

Alternatively, the electronic document generator 420 generates document content including at least one of customer information and customer approval information included in the social service activity request information received through the information receiving unit 410, and the document content. After including at least one or more information of the customer information and customer approval information included in the social service application information in a watermarking (Watermarking) method, a document file containing the document content including the watermarking (for example, PDF ( A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is advisable to process electronic volunteers for social services.

Alternatively, the electronic document generator 420 generates document content including at least one of customer information and customer approval information included in the social service activity request information received through the information receiving unit 410, and the document content. It is preferable to process an image file including captured image contents (eg, image contents generated by capturing the document contents on a memory) into a social service request electronic document for credit recovery through the social service activity. Do.

Alternatively, the electronic document generator 420 generates document content including at least one of customer information and customer approval information included in the social service activity request information received through the information receiving unit 410, and the document content. Watermarking at least one of customer information and customer approval information included in the social service activity request information into captured image content (for example, image content generated by capturing the document content on a memory); After the method is included, the image file including the image content including the watermarking is preferably processed as a social service request electronic document for credit recovery through the social service activity.

According to another exemplary embodiment of the present invention, the electronic document generating unit 420 may include at least one document including customer information and customer approval information included in the social service activity request information received through the information receiving unit 410. A predetermined document file (e.g., a Portable Document Format (PDF) file) that generates content and includes image content (e.g., image content generated by capturing the document content on a memory) that captures the document content; Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT), to provide social service for credit recovery through the social service activities. It is desirable to process the application electronic document.

Alternatively, the electronic document generator 420 generates document content including at least one of customer information and customer approval information included in the social service activity request information received through the information receiving unit 410, and the document content. Watermarking at least one of customer information and customer approval information included in the social service activity request information into captured image content (for example, image content generated by capturing the document content on a memory); To generate an image content including an image content, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the image content including the watermarking. By generating at least one word processor file, or a web document file including the MHT, etc.), It is treated as a social service electronic application documents for credit recovery through the activities preferred.

According to another exemplary embodiment of the present invention, the electronic document generation unit 420 includes at least one customer information and customer approval information included in the social service activity application information received through the information receiving unit 410. A predetermined document file (eg, an image content generated by capturing the document content on the memory) and a social service activity request information generated by generating document content and capturing the document content The social service activity by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is advisable to process the electronic service request form for electronic recovery through credit recovery.

Alternatively, the electronic document generator 420 generates document content including at least one of customer information and customer approval information included in the social service activity request information received through the information receiving unit 410, and the document content. Watermarking at least one of customer information and customer approval information included in the social service activity request information into captured image content (for example, image content generated by capturing the document content on a memory); A document file (eg, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file) including the image content including the watermarking and the social service activity application information. , Or a word processor file including at least one HWP / DOC, or a web document file including MHT) By generating a, it is preferable to process as a social service request electronic document for credit recovery through the social service activity.

Those skilled in the art to which the present invention belongs, the technical features that the electronic document generation unit 420 generates a social service request electronic document in the image file format or a predetermined document file format, and the social service application You will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 425 transmits and stores the social service request electronic document generated by the electronic document generation unit 420 to a predetermined electronic document repository associated with the social service activity application information registration system. It features.

As shown in FIG. 4, the electronic document repository includes a predetermined electronic document server 115 connected to the social service activity application information registration server 105 on the social service activity application information registration system through a predetermined communication means. When provided externally including an electronic document D / B 460, the electronic document transmission unit 425 sends the social service request electronic document generated by the electronic document generation unit 420 through the communication means. Characterized in that the transmission to the electronic document server (115).

Here, when the electronic document server 115 and the electronic document D / B 460 is provided outside the social service activity information registration system, the electronic document server 115 and the electronic document D / B ( 460 is preferably managed by an accredited institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the social service activity application information registration system, the electronic document transmission unit 425 is configured by the electronic document generation unit 420. It is possible to store the generated social service request electronic document in the electronic document D / B 460 corresponding to the electronic document storage on the DBMS provided in the social service activity information registration system, whereby the present invention is not limited. No.

According to an embodiment of the present invention, the electronic document transmission unit 425 inputs electronic document related information (eg, the social service activity request information) for generating predetermined electronic document management information in the electronic document server 115. (Optional) further transmitted to the electronic document repository, including the customer information transmitted, or the financial institution information transmitting the social service request electronic document, or the electronic document file format information, or the social service activity application information. It is possible that the present invention is not limited thereby.

Referring to FIG. 4, the social service activity application information registration server 105 stores the social service activity application information received through the information receiving unit 410 through the validity checking unit 415. When the validity for the recovery is authenticated, the information storage unit 430 (or the data storage unit 430 (or the storage unit 430) storing the stored information in a predetermined storage medium 435 by linking the customer information and the customer approval information included in the validity of the social service activity application information is verified) Information storage means).

When the validity of the social service activity application information is confirmed by the validity confirming unit 415, the information storage unit 430 processes the customer information and the customer approval information included in the social service activity application information in association with each other. The storage medium 435, characterized in that the storage medium 435 is provided in the social service activity application information registration server 105, or network associated with the social service activity application information registration server 105 When provided in the above, the information storage unit 430 is preferably stored in the storage medium 435 by linking the customer information and customer approval information included in the received social service activity application information, the storage When the medium 435 is provided in the DBMS provided on the financial system 120, the information storage unit 430 is the customer information and customer approval information included in the received social service activity application information Through the FEP system on the financial system 120 is provided to step the information is preferably stored in a DBMS provided on the financial system 120.

Referring to FIG. 4, a predetermined social document D / B 460 is received from the social service activity application information registration server 105 provided on the social service activity application information registration system. The electronic document server 115 that stores and manages the electronic document receiving unit 445 (or electronic) receives a predetermined social service request electronic document from the social service activity application information registration server 105 through a predetermined communication means. Document receiving means) and an information generating unit 450 (or information generating means) for generating predetermined electronic document management information for storing and managing the received social service request electronic document in the electronic document D / B 460; And an electronic document storage unit 455 (or electronic document storage means) for linking the electronic document management information and the social service request electronic document and storing the electronic document management information in a predetermined electronic document D / B 460. G It is characterized by.

The electronic document receiving unit 445 may receive a social service request electronic document in the form of an image file or a document file from the social service activity application information registration server 105 through the communication means.

According to the exemplary embodiment of the present invention, the social service request electronic document received by the electronic document receiving unit 445 through the communication means is a social service received by the social service activity application information registration server 105 from the customer terminal. Document files (eg, Portable Document Format (PDF) files, EDI (Electronic Data Interchange) files, HWP / DOC, etc.) containing document contents including at least one of customer information and customer approval information included in the activity application information. And a word processor file including at least one or a web document file including MHT).

Alternatively, the social service request electronic document received by the electronic document receiving unit 445 through the communication means is included in the social service activity application information received by the social service activity application information registration server 105 from the customer terminal. After the watermarking method includes at least one of customer information and customer approval information included in the social service application information in a watermarking method in document content including at least one information and customer approval information, the watermarking is included. A document file containing the document content (eg, a Portable Document Format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web including an MHT. Document files).

Alternatively, the social service request electronic document received by the electronic document receiving unit 445 through the communication means is included in the social service activity application information received by the social service activity application information registration server 105 from the customer terminal. Preferably, the image file includes an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of information and customer approval information.

Alternatively, the social service request electronic document received by the electronic document receiving unit 445 through the communication means is included in the social service activity application information received by the social service activity application information registration server 105 from the customer terminal. Image information (eg, image content generated by capturing the document content on a memory) that captures document content including at least one information and customer approval information; After including at least one or more information of the customer approval information in a watermarking (Watermarking) method, it is preferably made to include an image file including the image content including the watermarking.

According to another embodiment of the present invention, the social service request electronic document received by the electronic document receiving unit 445 through the communication means is a social service activity registration information registration server 105 received from the customer terminal Predetermined image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one of customer information and customer approval information included in the service activity application information. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make.

Alternatively, the social service request electronic document received by the electronic document receiving unit 445 through the communication means is included in the social service activity application information received by the social service activity application information registration server 105 from the customer terminal. Image information (eg, image content generated by capturing the document content on a memory) that captures document content including at least one information and customer approval information; Generating image content including at least one or more pieces of customer approval information in a watermarking manner, and including a document file (for example, a PDF (Portable Document Format) file, or EDI) including the watermarking image content. (Electronic Data Interchange) file, or a word processor file including at least one, such as HWP / DOC, Or a web document file including the MHT).

According to another exemplary embodiment of the present invention, the social service request electronic document received by the electronic document receiving unit 445 through the communication means is received by the social service activity application information registration server 105 from the customer terminal. Image content (eg, image content generated by capturing the document content on a memory) and the social service which captures document content including at least one of customer information and customer approval information included in the social service activity request information. A predetermined document file including activity application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or the like) Web document files).

Alternatively, the social service request electronic document received by the electronic document receiving unit 445 through the communication means is included in the social service activity application information received by the social service activity application information registration server 105 from the customer terminal. Image information (eg, image content generated by capturing the document content on a memory) that captures document content including at least one information and customer approval information; Create image content including at least one or more information of the customer approval information in a watermarking method, and a document file (eg, PDF (Portable) including the image content including the watermarking and the social service application information. At least one of a Document Format (EDI) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC. It is preferred which comprises a web page file, and so on) that include the word-processor file, or MHT comprising.

The information generating unit 450 is a predetermined electronic document unique number (or unique information) to be assigned to a social service request electronic document received through the electronic document receiving unit 445, and the electronic document receiving unit 445 through the And generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the social service application electronic document was stored) when the social service application electronic document was received.

According to the exemplary embodiment of the present invention, the information generating unit 450 refers to the social service activity application information registration server 105 that transmits the social service application electronic document received through the electronic document receiving unit 445. It is preferable to identify a financial institution that has transmitted the social service request electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 445 further receives a predetermined electronic document-related information from the social service activity information registration server 105, the information generating unit 450 Is information about the received electronic document (for example, the customer information transmitted by inputting (selecting) the social service activity application information, or information about a financial institution transmitting the social service application electronic document, or electronic document file format information, or It is preferable to generate the electronic document management information further comprising the social service activity information).

The electronic document storage unit 455 associates the social service request electronic document received through the electronic document receiving unit 445 with the electronic document management information generated by the information generating unit 450 to process a predetermined electronic document D. / B (460) characterized in that the storage.

According to the exemplary embodiment of the present invention, the social service request electronic document stored in the electronic document storage unit 455 in the electronic document D / B 460 is the social service activity application information registration server 105 for the customer. A document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) containing document content including at least one of customer information and customer approval information included in the social service activity application information received from the terminal. Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the social service request electronic document stored in the electronic document D / B 460 by the electronic document storage unit 455 is a social service activity received by the social service activity application information registration server 105 from the customer terminal. Including watermarking method of at least one of customer information and customer approval information included in the social service activity application information in document content including at least one customer information and customer approval information included in the application information. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including at least one document file including document content including the watermarking, or Web document file including MHT).

Alternatively, the social service request electronic document stored in the electronic document D / B 460 by the electronic document storage unit 455 is a social service activity received by the social service activity application information registration server 105 from the customer terminal. And an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information and customer approval information included in the application information. It is preferable to make it.

Alternatively, the social service request electronic document stored in the electronic document D / B 460 by the electronic document storage unit 455 is a social service activity received by the social service activity application information registration server 105 from the customer terminal. The social service activity application information on the image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one of customer information and customer approval information included in the application information. After including at least one or more information of the customer information and customer approval information included in the watermarking (Watermarking) method, it is preferable that the watermarking is made to include an image file including the image content.

According to another exemplary embodiment of the present invention, the social service request electronic document stored in the electronic document storage unit 455 in the electronic document D / B 460 is the social service activity application information registration server 105. Image content that captures document content including at least one of customer information and customer approval information included in social service application information received from a customer terminal (eg, image content generated by capturing the document content on a memory). A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.), or a web document including an MHT. File).

Alternatively, the social service request electronic document stored in the electronic document D / B 460 by the electronic document storage unit 455 is a social service activity received by the social service activity application information registration server 105 from the customer terminal. The social service activity application information on the image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one of customer information and customer approval information included in the application information. Create image content including at least one or more information of the customer information and customer approval information included in the watermarking method, and a document file (for example, PDF (Portable Document) containing the image content including the watermarking) A word processor wave including at least one of a Format file, an EDI file, or an HWP / DOC file. It is preferred which comprises a, or the web document file, and so on) containing the MHT.

According to another exemplary embodiment of the present invention, the social service request electronic document stored in the electronic document storage unit 455 in the electronic document D / B 460 is the social service activity application information registration server 105. Image content (eg, an image generated by capturing the document content on a memory) by capturing document content including at least one of customer information and customer approval information included in the social service activity request information received from the customer terminal. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or a HWP / DOC, etc.) containing the contents and the social service application information. , Or a web document file including MHT).

Alternatively, the social service request electronic document stored in the electronic document D / B 460 by the electronic document storage unit 455 is a social service activity received by the social service activity application information registration server 105 from the customer terminal. The social service activity application information on the image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one of customer information and customer approval information included in the application information. A document file that generates image content including at least one of customer information and customer approval information included in the watermarking method, and includes the watermarking image content and the social service activity request information. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or at least one HWP / DOC). Preferably a word processor file, or a web document file including an MHT).

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 460 by processing the electronic document storage unit 455 in association with the social service request electronic document, the social service request electronics Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 460 by the electronic document storage unit 455 in association with the social service request electronic document is stored in the social service request. The social service activity application information registration server 105 which has transmitted the electronic document is preferably made to further include information on the financial institution which has transmitted the social service application electronic document confirmed.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the social service activity application information registration server 105, the electronic document storage unit 455 is connected to the social service application electronic document. The electronic document management information stored in the electronic document D / B 460 in association with each other may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the social service activity request information), or the Financial institution information, electronic document file format information, or the like, the social service activity request information for transmitting the social service request electronic document is preferably included.

5A and 5B illustrate a process of registering application information for social service activities according to an exemplary embodiment of the present invention.

In more detail, FIGS. 5A and 5B show that the client terminal on the social service activity application information registration system shown in FIG. 4 is a client terminal, and the social service activity application information registration server 105 performs a client through a predetermined network means. In the case where the terminal has a web server function to which the terminal is accessible, a social service activity application in which a predetermined customer includes at least one of customer information and customer approval information through the client terminal for credit recovery through the social service activity. If the information is provided, the social service activity application information registration system generates a predetermined social service application electronic document including the provided social service activity application information and stores it in a predetermined electronic document repository, Predetermined storage medium by linking the included customer information and customer approval information A method of storing the information in the method 435, and a person of ordinary skill in the art to which the present invention pertains refers to the server service request information registration server in the client terminal by referring to or modifying the drawings 5a and 5b. Although various implementation methods for registering the social service activity application information may be inferred at 105, the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 5A and 5B. No.

For example, in the method shown in FIGS. 5A and 5B, the social service activity application information registration server 105 provides a user interface for the client terminal to input (or select) the social service activity application information. Although illustrated as being provided through a web page, when a predetermined application information registration program is provided in the client terminal, the user interface may not be provided from the social service activity application information registration server 105. The present invention is not limited by this.

In the following Figures 5a and 5b, the client terminal shown in Figure 4 is referred to as "terminal" for convenience, and the social service activity information registration server 105 shown in Figure 4 is referred to as "server" for convenience, The customer information and customer approval information transmitted from the client terminal to the social service activity application registration server 105 are referred to as "social service activity application information" for convenience.

5A and 5B, when the client terminal shown in FIG. 4 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Access the server through a CDMA-based (or HSDPA-based) mobile communication network, an IEEE 802.16x-based portable Internet, or an IEEE 802.11x-based wireless LAN) to connect a predetermined communication channel, and recover credit through the social service activities. When requesting a web page including a user interface for the 500 (500), the server correspondingly inputs (or selects) the social service activity request information including at least one of the customer information and customer approval information to the server Generate (or extract) a web page comprising a user interface for transmission (505), and generate the And transmits the output to the web page containing the extracted) user interface to the mobile station 510. The

According to an embodiment of the present invention, the process of transmitting or outputting the web page from the server to the terminal is preferably performed at least once according to the social service activity registration information registration procedure, and thus the present invention is not limited thereto. .

Thereafter, the terminal inputs (or selects) social service activity application information including at least one or more customer information and customer approval information through a user interface included in the web page (515).

If the terminal inputs (or selects) social service activity request information including the customer information and customer approval information through the user interface (520), the terminal inputs (or selects) the communication channel. Customer information and customer approval information is transmitted to the server (525).

According to an exemplary embodiment of the present invention, the terminal may include a predetermined password for verifying the validity of the social service activity application information on the server in the social service activity application information including at least one of the customer information and customer approval information. It is preferable to further include at least one or more of the security card information or OTP code generated through a predetermined one time password (OTP) generator to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption) for social service activity request information including at least one of the customer information and the customer approval information. Method, or an electronic envelope-based encryption method, or a key exchange-based encryption method, or the like, or attach a predetermined electronic signature to the social service activity request information and transmit the same to the server through the network means. To this end, the terminal has at least one encryption key corresponding to the encryption scheme, or a predetermined certificate containing at least one encryption key, or the certificate is a predetermined IC chip (or IC card) ), The official certificate provided in the IC chip (or IC card) It is preferable that a card reader for checking is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption method) for social service activity request information including at least one of the customer information and the customer approval information. Or an electronic envelope-based encryption scheme, or a key exchange-based encryption scheme, and the like, and transmit the encrypted data to the server through the network means. For this purpose, the terminal transmits at least one encryption key corresponding to the encryption scheme. Or a predetermined public certificate including at least one encryption key, or when the public certificate is provided on a predetermined IC chip (or IC card), provided on the IC chip (or IC card). It is desirable to have a card reader for verifying the public certificate.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the social service application information, and technical features of attaching a predetermined electronic signature to the social service activity application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information and the customer approval information through the communication channel to check the validity of the social service activity application information (530).

According to the method of the present invention, the social service activity request information is at least one encryption method (for example, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.) The encrypted social service activity request information includes at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encryption method. Method, or a key exchange based decryption method, etc.), it is preferable to authenticate the validity of the received social service application information.

Alternatively, when a predetermined electronic signature is attached to the social service application information, the server verifies the validity of the received social service activity application information by checking the electronic signature attached to the social service activity application information. It is preferable.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted social service activity application information, and a technology for confirming an electronic signature attached to the social service activity application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, if the social service activity application information received through the information receiving unit 410 further includes a predetermined password for checking the validity of the social service activity application information, the server is It is preferable to authenticate the validity of the received social service activity application information by comparing and authenticating the received password included in the social service activity application information and the password provided corresponding to the customer on the DBMS.

Alternatively, when the social service activity application information received through the information receiving unit 410 further includes predetermined security card information for confirming the validity of the social service activity application information, the server performs the social service activity. It is preferable to authenticate the validity of the received social service activity application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the social service activity application information received through the information receiving unit 410 further includes a predetermined OTP code for checking the validity of the social service activity application information, the server requests the social service activity application. The validity of the received social service activity application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to the implementation method of the present invention, the validity of the social service activity application information to the social service activity application information registration system in the ledger D / B (125) on the financial system 120 linked to the social service activity application information It is preferable to include a check whether at least one or more ledger information is matched with.

For example, the validity checker 415 may include a financial system in which the customer information (customer information, member information, etc.) of the information included in the social service activity application information is linked to the social service activity application information registration system ( It is preferably made to include matching with the customer ledger stored in the ledger D / B (125).

In addition, the verification of the validity of the social service activity request information is the customer information stored in the storage medium 435 on the social service activity customer information registration server shown in Figure 2 the customer information included in the social service activity request information It is desirable to include a check that matches with.

If the validity of the social service activity application information is not authenticated (535), the server generates a web page including predetermined application information registration error information and transmits it to the terminal (540), the social service activity application Do not perform the application information registration procedure corresponding to the information.

On the other hand, if the validity of the social service application information is authenticated (535), the server generates a predetermined document content including at least one or more customer information and customer approval information including the social service activity application information (545) In operation 550, a predetermined social service request electronic document including the document content is generated.

According to an exemplary embodiment of the present invention, the server generates document content including at least one or more customer information and customer approval information included in the received social service application information, and includes a document file including the document content ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) may be used. It is advisable to process the electronic service request for social service through credit recovery.

Alternatively, the server may generate document content including at least one of customer information and customer approval information included in the received social service application information, and the customer information included in the social service activity application information in the document content. After including at least one or more information of the customer approval information in a watermarking method, a document file (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data Interchange) file containing the document content including the watermarking) File, a word processor file including at least one of HWP / DOC, or a web document file including MHT), etc.) is preferably processed as a social service request electronic document for credit recovery through the social service activity.

Alternatively, the server generates document content including at least one or more customer information and customer approval information included in the received social service application information, and captures the image content (eg, the document). It is preferable to process an image file including content generated by capturing content on a memory as a social service request electronic document for credit recovery through the social service activity.

Alternatively, the server generates document content including at least one or more customer information and customer approval information included in the received social service application information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) including at least one of customer information and customer approval information included in the social service application information by a watermarking method, and then including the watermarking image. It is preferable to process the image file containing the content as a social service request electronic document for credit recovery through the social service activity.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and customer approval information included in the received social service application information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing an image content (e.g., image content generated by capturing the document content on a memory). By generating a word processor file including at least one or the like, or a web document file including the MHT, etc.), it is preferable to process the social service request electronic document for credit recovery through the social service activity.

Alternatively, the server generates document content including at least one or more customer information and customer approval information included in the received social service application information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) to generate image content including at least one of customer information and customer approval information included in the social service application information by a watermarking method. A document file including image content including marking (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or an MHT. Social document for credit recovery through the social service activity It is preferable to apply processing to electronic documents.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and customer approval information included in the received social service application information, and captures the document content. ) A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including image content (eg, image content generated by capturing the document content on a memory) and the social service application information. Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like, and process it as an electronic service request electronic document for credit recovery through the social service activity. It is desirable to.

Alternatively, the server generates document content including at least one or more customer information and customer approval information included in the received social service application information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) to generate image content including at least one of customer information and customer approval information included in the social service application information by a watermarking method. Word content including at least one image content including marking and a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC, etc.) containing the social service activity application information. Processor files, or web document files containing MHT) It is advisable to process the electronic service request for social service through credit recovery.

If the person of ordinary skill in the art of the present invention belongs to the technical feature that the server generates a social service request electronic document in the image file format or a predetermined document file format, and the image corresponding to the social service request electronic document Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated social service request electronic document in a predetermined electronic document storage (555).

As shown in FIG. 4, the electronic document repository stores a predetermined electronic document server 115 and an electronic document D / B 460 associated with a server on the social service activity information registration system through predetermined communication means. In addition, when provided to the outside, the server preferably transmits the generated social service request electronic document to the electronic document server 115 through the communication means to store in the electronic document D / B (460) Do.

Or, if the electronic document storage is provided on a DBMS provided in the social service activity application information registration system, the server DBMS provided in the social service activity application information registration system for the generated social service application electronic document It is possible to store in the electronic document D / B 460 corresponding to the electronic document storage of the image, whereby the present invention is not limited.

According to the method of the present invention, storing the social service request electronic document in the electronic document storage, the electronic service shown in FIG. It is preferable to include storing in the document D / B (460).

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the social service request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the social service request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the social service application information) or financial institution information transmitting the social service application electronic document, or electronic Document file format information, or the social service application information).

If the social service request electronic document is stored in the electronic document repository (560), the server processes the customer information and customer approval information included in the social service activity application information in a predetermined storage medium 435 Storage 565, predetermined application information registration history information (e.g., a history of storing the social service request electronic document in the electronic document storage, or a history of storing the social service activity application information in the storage medium 435) ) Is generated (or extracted) and transmitted to the terminal (570).

According to an exemplary embodiment of the present invention, the storage medium 435 is provided to a DBMS on the financial system 120 provided on the social service activity application information registration system (or associated with the social service activity application information registration system). Preferably, the storage medium 435 is a ledger D / B (125) provided in the DBMS on the financial system 120, or a predetermined database associated with the ledger D / B (125) The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 435 is provided on (or associated with) the social service application information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

6A, 6B, and 6C illustrate a process of registering application information for social service activities according to an exemplary embodiment of the present invention.

In more detail, FIGS. 6A, 6B, and 6C illustrate a case in which the social service activity registration information registration system shown in FIG. 4 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, shown in FIG. 4). In the case where the social service activity information registration server 105 on the social service activity information registration system is an internet banking server, the client terminal is connected to the Internet banking server through a TCP / IP based network (eg, the Internet). After accessing the service and performing a predetermined customer authentication procedure, the client terminal transmits predetermined social service activity request information for credit recovery through social service activity to the internet banking server, and receives the received information from the internet banking server. Generates a prescribed electronic volunteer application electronic document containing social service application information and sends it to the designated electronic document storage In addition, the method of performing the process of linking the customer information and customer approval information included in the social service application information in a predetermined storage medium 435, having a common knowledge in the technical field to which the present invention belongs 6A, 6B, and 6C, the present invention may infer various implementation methods for registering the social service activity application information through other types of non-face-to-face financial transaction channels. It includes all inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 6A, 6B, and 6C.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 6A, 6B, and 6C, the browser Although a method of connecting an internet banking-based financial transaction channel for registering social service activity application information between the client terminal and the internet banking server based on a program is illustrated, a person having ordinary knowledge in the technical field to which the present invention pertains By referring to or modifying an Internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 6A, 6B, and 6C, the client terminal and the Internet banking are based on a predetermined Internet banking program mounted on the client terminal. Between servers Although it is possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of social service application information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited by this.

In addition, those skilled in the art to which the present invention pertains, besides the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in Figures 6a, 6b and 6c, telebanking The system or another banking system such as a wireless banking system or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registration of social service application information, but the present invention may provide the telebanking system or It includes all types of non-face-to-face channel based financial transactions, including wireless banking systems or TV banking systems or future proposed non-face-to-channel banking systems, and the technical configuration of the present invention is illustrated in FIGS. 6a, 6b and 6c. It is by no means limited to Internet banking.

6A, 6B, and 6C, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the social service activity application information registration server 105 is referred to as "server" for convenience.

6A, 6B, and 6C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (600a), the server connects the terminal and the server through the browser. The communication channel is connected to the communication channel (605a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 610a).

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby the internet banking program (or internet banking). Whether to update the security module associated with the program) can be checked.

If a predetermined security module is mounted or updated in the terminal (615a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 620a.

If the terminal does not need to install or update the latest version of the Internet banking security module (625a), or if the terminal does not need to install or update the Internet banking security module (615a), the server is mounted on the terminal By activating the security module for the Internet banking, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server to a secure channel) (630a), where the security channel for the Internet banking Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal confirms the digital signature or corresponds to the encryption scheme (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (or decryption algorithm), and also to the information (or data) to be provided to the server for registration of the social service activity registration information in the terminal When the digital signature is attached or is encrypted and transmitted using at least one encryption method (or encryption algorithm), the server verifies the electronic signature or a predetermined decryption method corresponding to the encryption method (or encryption algorithm) ( Or a communication channel for decoding the information (or data) with a decoding algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). It means a communication channel to decode the information (or data) by a decryption method (or decryption algorithm), and the predetermined electronic information to the information (or data) to be provided to the server for registration of the social service activity registration information in the terminal Attach a signature or at least one encryption room (Or an encryption algorithm) to transmit the data, the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel to be.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or decryption function for the information (or data) by using the customer's authorized certificate mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication process through the browser program (635a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. Etc.) and input (or generate) the data to the authentication server, and authenticate the customer connected through the terminal as the Internet banking customer based on the customer authentication data in the authentication server, and provide the result to the server. In this case, it is preferable that the customer authentication data includes public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (640a). In operation 645a, the server (or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for the non-face-to-face financial transaction based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (650a), the server blocks the Internet banking security channel for the terminal (655a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (650a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (660a), where the Internet banking based The financial transaction channel refers to a communication channel for transmitting and registering predetermined social service activity application information for credit recovery through social service activity from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for credit recovery through the social service activity to the server through an internet banking-based financial transaction channel (600b), the server corresponding to the customer information Generate (or extract) a web page including a user interface for inputting (or selecting) social service application information including at least one customer approval information and transmitting it to the server (605b), and the internet banking-based finance The web page including the generated (or extracted) user interface is transmitted to the terminal and output through the transaction channel (610b).

According to an embodiment of the present invention, the web page preferably includes a user interface for inputting (or selecting) social service activity request information including at least one of customer information and customer approval information in the terminal, or Predetermined password or security card information (e.g., security card information printed on the security card issued to the customer during the internet banking application process) to confirm the validity of the Internet banking customer requesting to register the social service activity application information; or Further user interface for entering one time password (OTP) (e.g. one-time password generated through an OTP authenticator (or OTP certification program) provided to a customer by a financial institution during the internet banking application process (or after an internet banking application). It is preferable to include.

In addition, the process of transmitting or outputting the web page to the terminal is preferably performed at least once according to the social service activity registration information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) social service activity application information including at least one of the customer information and customer approval information through the application information registration interface (615b).

If the terminal inputs (or selects) social service activity request information including the customer information and customer approval information through the user interface (620b), the terminal inputs (or selects) through the financial transaction channel. The social service activity application information is transmitted to the server (625b).

According to an exemplary embodiment of the present invention, the terminal may include a predetermined password for verifying the validity of the social service activity application information on the server in the social service activity application information including at least one of the customer information and customer approval information. It is preferable to further include at least one or more of the security card information or OTP code generated through a predetermined one time password (OTP) generator to the server via the network means.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key-based encryption method or public key-based encryption) for social service activity request information including at least one of the customer information and customer approval information. Method, or an electronic envelope-based encryption method, or a key exchange-based encryption method, or the like, or attach a predetermined electronic signature to the social service activity request information and transmit the same to the server through the network means. To this end, the terminal has at least one encryption key corresponding to the encryption scheme, or a predetermined certificate containing at least one encryption key, or the certificate is a predetermined IC chip (or IC card) ), The official certificate provided in the IC chip (or IC card) It is preferable that a card reader for checking is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption method) for social service activity request information including at least one of the customer information and the customer approval information. Or an electronic envelope-based encryption scheme, or a key exchange-based encryption scheme, and the like, and transmit the encrypted data to the server through the network means. For this purpose, the terminal transmits at least one encryption key corresponding to the encryption scheme. Or a predetermined public certificate including at least one encryption key, or when the public certificate is provided on a predetermined IC chip (or IC card), provided on the IC chip (or IC card). It is desirable to have a card reader for verifying the public certificate.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the social service application information, and technical features of attaching a predetermined electronic signature to the social service activity application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the social service activity application information through the financial transaction channel to check the validity of the social service activity application information (630b).

According to the method of the present invention, the social service activity request information is at least one encryption method (for example, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.) The encrypted social service activity request information includes at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encryption method. Method, or a key exchange based decryption method, etc.), it is preferable to authenticate the validity of the received social service application information.

Alternatively, when a predetermined electronic signature is attached to the social service application information, the server verifies the validity of the received social service activity application information by checking the electronic signature attached to the social service activity application information. It is preferable.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted social service activity application information, and a technology for confirming an electronic signature attached to the social service activity application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, if the social service activity application information received through the information receiving unit 410 further includes a predetermined password for checking the validity of the social service activity application information, the server is It is preferable to authenticate the validity of the received social service activity application information by comparing and authenticating the received password included in the social service activity application information and the password provided corresponding to the customer on the DBMS.

Alternatively, when the social service activity application information received through the information receiving unit 410 further includes predetermined security card information for confirming the validity of the social service activity application information, the server performs the social service activity. It is preferable to authenticate the validity of the received social service activity application information by comparing and authenticating the received security card information included in the application information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the social service activity application information received through the information receiving unit 410 further includes a predetermined OTP code for checking the validity of the social service activity application information, the server requests the social service activity application. The validity of the received social service activity application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to the implementation method of the present invention, the validity of the social service activity application information to the social service activity application information registration system in the ledger D / B (125) on the financial system 120 linked to the social service activity application information It is preferable to include a check whether at least one or more ledger information is matched with.

For example, the validity checker 415 may include a financial system in which the customer information (customer information, member information, etc.) of the information included in the social service activity application information is linked to the social service activity application information registration system ( It is preferably made to include matching with the customer ledger stored in the ledger D / B (125).

In addition, the verification of the validity of the social service activity request information is the customer information stored in the storage medium 435 on the social service activity customer information registration server shown in Figure 2 the customer information included in the social service activity request information It is desirable to include checking that the match with.

If the validity of the social service activity application information is not authenticated (635b), the server generates a web page including predetermined information registration error information and transmits it to the terminal (640b), and the social service activity application information Do not perform the corresponding application registration procedure.

On the other hand, if the validity of the social service application information is authenticated (635b), the server generates a predetermined document content including at least one or more customer information and customer approval information including the social service activity application information (645b) In step 650c, a predetermined social service request electronic document including the document content is generated.

According to an exemplary embodiment of the present invention, the server generates document content including at least one or more customer information and customer approval information included in the received social service application information, and includes a document file including the document content ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) may be used. It is advisable to process the electronic service request for social service through credit recovery.

Alternatively, the server may generate document content including at least one of customer information and customer approval information included in the received social service application information, and the customer information included in the social service activity application information in the document content. After including at least one or more information of the customer approval information in a watermarking method, a document file (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data Interchange) file containing the document content including the watermarking) File, a word processor file including at least one of HWP / DOC, or a web document file including MHT), etc.) is preferably processed as a social service request electronic document for credit recovery through the social service activity.

Alternatively, the server generates document content including at least one or more customer information and customer approval information included in the received social service application information, and captures the image content (eg, the document). It is preferable to process an image file including content generated by capturing content on a memory as a social service request electronic document for credit recovery through the social service activity.

Alternatively, the server generates document content including at least one of customer information and customer approval information included in the received social service activity request information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) including at least one of customer information and customer approval information included in the social service application information by a watermarking method, and then including the watermarking image. It is preferable to process the image file containing the content as a social service request electronic document for credit recovery through the social service activity.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and customer approval information included in the received social service application information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing an image content (e.g., image content generated by capturing the document content on a memory). By generating a word processor file including at least one or the like, or a web document file including the MHT, etc.), it is preferable to process the social service request electronic document for credit recovery through the social service activity.

Alternatively, the server generates document content including at least one or more customer information and customer approval information included in the received social service application information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) to generate image content including at least one of customer information and customer approval information included in the social service application information by a watermarking method. A document file including image content including marking (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or an MHT. Social document for credit recovery through the social service activity It is preferable to apply processing to electronic documents.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and customer approval information included in the received social service application information, and captures the document content. ) A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including image content (eg, image content generated by capturing the document content on a memory) and the social service application information. Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like, and process it as an electronic service request electronic document for credit recovery through the social service activity. It is desirable to.

Alternatively, the server generates document content including at least one or more customer information and customer approval information included in the received social service application information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) to generate image content including at least one of customer information and customer approval information included in the social service application information by a watermarking method. Word content including at least one image content including marking and a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC, etc.) containing the social service activity application information. Processor files, or web document files containing MHT) It is advisable to process the electronic service request for social service through credit recovery.

If the person of ordinary skill in the art of the present invention belongs to the technical feature that the server generates a social service request electronic document in the image file format or a predetermined document file format, and the image corresponding to the social service request electronic document Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated social service request electronic document in a predetermined electronic document storage box (655c).

As shown in FIG. 4, the electronic document repository stores a predetermined electronic document server 115 and an electronic document D / B 460 associated with a server on the social service activity information registration system through predetermined communication means. In addition, when provided to the outside, the server preferably transmits the generated social service request electronic document to the electronic document server 115 through the communication means to store in the electronic document D / B (460) Do.

Or, if the electronic document storage is provided on a DBMS provided in the social service activity application information registration system, the server DBMS provided in the social service activity application information registration system for the generated social service application electronic document It is possible to store in the electronic document D / B 460 corresponding to the electronic document storage of the image, whereby the present invention is not limited.

According to the method of the present invention, storing the social service request electronic document in the electronic document storage, the electronic service shown in FIG. It is preferable to include storing in the document D / B (460).

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the social service request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the social service request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the social service application information) or financial institution information transmitting the social service application electronic document, or electronic Document file format information, or the social service application information).

If the social service request electronic document is stored in the electronic document repository (660c), the server processes the customer information and customer approval information included in the social service activity application information in a predetermined storage medium 435 Store information 665c, predetermined application information registration history information (e.g., a history of storing the social service request electronic document in the electronic document repository, or a history of storing the social service activity application information in the storage medium 435); ) Is generated (or extracted) and transmitted to the terminal (670c).

According to an exemplary embodiment of the present invention, the storage medium 435 is provided to a DBMS on the financial system 120 provided on the social service activity application information registration system (or associated with the social service activity application information registration system). Preferably, the storage medium 435 is the ledger D / B 125 provided in the DBMS on the financial system 120, or predetermined predetermined linked to the ledger D / B (125) It may be a database, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 435 is provided on (or associated with) the social service application information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

7 is a diagram illustrating a system for registering social service activity identification information for repayment of debt through social service according to an embodiment of the present invention.

In more detail, Figure 7 is a predetermined customer through a predetermined confirmation information registration interface to the social service activity confirmation information registration system for the payment of the debts for the social service activity customer information, social service organization information and social service content information And providing social service activity confirmation information including at least one social service authentication information, the social service activity confirmation information registration system generates a predetermined social service confirmation electronic document including the provided social service activity confirmation information and predetermined The customer information, the social service group information, the social service contents information, the social service certification information, and the social service activity application information registration system shown in FIG. Customer information and debt amount information and social services included in the provided storage medium (735) Group information, social service contents information, and the amount of information set per unit of time is processed in conjunction with the predetermined amount of debt repayment amount information, the storage medium (735) provided in the social service activity identification information system And the debt repayment history in the ledger D / B 125 provided in the financial system 120 associated with the social service activity confirmation information registration system by repaying the debt of the customer based on the stored debt repayment amount information. The present invention relates to a social service activity confirmation information registration system for storing the information, and more particularly, to an implementation method in which the electronic document repository is provided on an external system associated with the social service activity confirmation information registration system through a predetermined communication means. .

Those skilled in the art to which the present invention pertains can refer to or modify the drawing 7 to infer various implementation methods for the construction of the social service activity identification information registration system for repayment of debts for social service activities. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing to infer an implementation method provided in a DBMS in which the electronic document repository is located in the social service activity confirmation information registration system. As will be appreciated, the present invention includes all implementation methods inferred above, and is not limited to the implementation method illustrated in FIG.

In addition, according to the implementation method shown in FIG. 7, the social service confirmation electronic document is illustrated as being generated on the server side on the social service activity confirmation information registration system, but the present invention is not limited thereto. The social service confirmation electronic document may be generated on the terminal side which inputs (or selects) the social service activity confirmation information and transmits it (for example, the electronic document generation function provided on the server side is provided on the terminal side. Generating a social service confirmation electronic document), whereby the present invention is not limited.

Hereinafter, the social service activity confirmation information is received from the customer through the predetermined confirmation information registration interface on the social service activity confirmation information registration system shown in FIG. 7 to generate a predetermined social service confirmation electronic document to generate a predetermined electronic document. A component corresponding to at least one or more means or functional configuration for storing in the storage and storing the social service activity confirmation information in a predetermined storage medium 735 is referred to as "social service activity confirmation information registration server 110" for convenience. .

Referring to FIG. 7 according to an embodiment of the present invention, a social service activity confirmation information registration system for repaying a debt for the social service activity includes a social service including at least one wired terminal or a wireless terminal used by a customer. And a social service group terminal 135 including at least one group terminal 135 and the like, wherein the social service group terminal 135 registers the social service activity confirmation information through a predetermined network means. The communication channel is connected to the social service activity confirmation information registration server 110 provided on the system.

According to an exemplary embodiment of the present invention, the customer registers the social service activity confirmation information server through at least one social service group terminal 135 of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. Access (110) and input (or select) social service activity confirmation information for repayment of debt for the social service activity through at least one user interface provided by the social service activity confirmation information registration server 110; Then, the social service group terminal 135 is preferably transmitted to the social service activity confirmation information registration server 110 provided on the social service activity confirmation information registration system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). Or at least one home appliance terminal (eg, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable.

In addition, a wireless terminal connected to the wireless communication network is connected to all terminal devices connected to a mobile communication network based on Code Division Multiple Access (CDMA) (or High-Speed Downlink Packet Access (HSDPA)), or a mobile Internet based on IEEE 802.16x. General term for all terminal devices or all terminal devices connected to an IEEE 802.11x-based wireless LAN, a Personal Communication System (PCS) or Global System for Mobile (GSM) connected to the CDMA-based (or HSDPA-based) mobile communication network. communications terminal or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or Smartphone (Smart Phone) or Telematics, or the IEEE A portable Internet terminal connected to an 802.16x based portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x based wireless LAN It is preferable to include at least one or more.

In addition, the social service activity confirmation information registration server 110 is connected to the social service group terminal 135 according to the characteristics of the social service group terminal 135 and the network means Internet banking server or wireless banking server or tele banking server Or it is preferably one of the TV banking server, or comprises a separate web server for registering the confirmation information.

In addition, the network means for connecting the social service group terminal 135 and the social service activity identification information registration server 110 is based on the CDMA (or HSDPA based on the type of wireless communication network connected to the social service group terminal 135) It is preferable that the mobile communication network, the IEEE 802.16x-based portable Internet, or the IEEE 802.11x-based wireless LAN, or any kind of wireless communication network proposed in the future including a predetermined wireless interval.

In addition, the social service group terminal 135 outputs at least one or more user interfaces provided by the social service activity identification information registration server 110, and inputs or selects at least one or more information through the user interface to perform the social service. A function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function for communicating with the social service activity confirmation information registration server 110, etc.) for transmitting to the service activity confirmation information registration server 110 is provided. It is preferable that it is done.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the social service group terminal 135 corresponding to at least one or more wired terminals or wireless terminals, Omit for convenience.

In the social service activity confirmation information registration system as described above, the social service group terminal 135 including at least one wired terminal or a wireless terminal used by the customer, the social service group terminal 135 and the social service activity At least one wired or wireless communication network connecting the confirmation information registration server 110 performs the function of the confirmation information registration interface for the customer to register the social service activity confirmation information for repayment of the debt for the social service activity do.

The storage medium 735 provided on the social service activity confirmation information registration system according to the present invention includes the customer information and social service group information included in the social service activity confirmation information provided from the social service group terminal 135. And information on social service contents, information on social service certification, customer information, debt amount information, social service group information, and social service information included in the storage medium 735 included in the social service application information registration system shown in FIG. The information may be stored in a predetermined storage medium 735 by linking the information and the set price information per unit time.

The customer information is customer information included in the storage medium 735 included in the social service application information registration system shown in FIG. 4, and the personal information of the customer (for example, the name, resident registration number, address, and telephone number of the customer). , Mobile phone number, e-mail address, etc., and the member information of the customer (e.g., the financial service associated with the social service activity application information registration system in response to the customer by registering the customer as a financial transaction customer of the financial institution). It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number and the like provided in the customer ledger provided on the system 120.

The debt amount information is debt amount information included in the storage medium 735 provided in the social service activity information registration system shown in FIG. 4, and corresponds to customer information included in the social service activity credit recovery target information. As information on the amount of debt, it is preferable that a small amount of debt (for example, 10,000 won, 100,000 won, 1 million won, etc.) is included at least one or more.

According to the implementation method of the present invention, the standard for the small amount indicated in the debt amount information generally refers to the amount that can be repaid through social service activities (for example, if the debt amount is 1 billion, even if the lifelong social service is realistically reimbursed) Difficulty), it is possible to apply various ranges of small amounts according to the intention of those skilled in the art.

The social service group information is information on an organization supporting the social service activity, including the address of the social service group (or homepage address) and the institution managing the social service group (for example, the city / gu / county of jurisdiction). It is preferable to include at least one.

The information on the contents of the social service includes the types of work (e.g., endeavor service, learning service, functional service, medical service, emotional service, work support service, cultural service, professional service, community service, and community culture) Center service, etc.) and social service hours (or days).

Preferably, the amount of time information set per unit includes at least one amount of time set for the type of work done by the social service group and at least one amount set per day for the type of work done by the social service organization.

The debt repayment amount information is information generated through social service contents information included in the social service activity identification information and the set amount information per unit time, and includes at least one debt repayment amount obtained by the customer through social service activities. It is preferable to be made.

According to an exemplary embodiment of the present invention, the storage medium 735 is provided to a DBMS on the financial system 120 provided on the social service activity identification information registration system (or associated with the social service activity identification information registration system). Preferably, the storage medium 735 is a ledger D / B (125) provided in the DBMS on the financial system 120, or a predetermined database associated with the ledger D / B (125) The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 735 is provided on (or associated with) the social service activity identification information registration system, or an internet banking system, a telebanking system, a wireless banking system, or a TV. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

The social service activity confirmation information registration server 110 provided on the social service activity confirmation information registration system according to the present invention is the social service activity confirmation information connected to the social service group terminal 135 through a predetermined network means. A generic term for components of a registration system, including at least one server (or device), or may be implemented with at least one or more programs recorded on a recording medium provided in a predetermined server (or device). The present invention is not limited by this.

According to an embodiment of the present invention, when the social service group terminal 135 is a social service group terminal 135 including a wired terminal or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the social service The activity confirmation information registration server 110 is a predetermined Internet banking server provided on the Internet banking system, a program provided in the Internet banking server, or a group of the financial system 120 through the Internet banking system. The financial system 120 that is accessible to an alien through a predetermined server (or device), a program included in the server (or device), or accessible through the Internet banking server (or the server (or device)). It may be a server (or device) provided in the external system on the outside, or a program provided in the external system on the financial system 120, The present invention is not limited thereby.

According to another embodiment of the present invention, if the social service group terminal 135 is a social service group terminal 135 including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the social service activity check The information registration server 110 is a predetermined wireless banking server provided on the wireless banking system, a program included in the wireless banking server, or the external system of the financial system 120 through the wireless banking system. Any server (or device) that is accessible, a program included in the server (or device), or an external system on the financial system 120 accessible through the wireless banking server (or the server (or device)). It may be a server (or device) provided in, or a program provided in the external system on the financial system 120, thereby limiting the present invention Not.

According to another exemplary embodiment of the present invention, when the social service group terminal 135 is a call terminal (not shown) connectable with a telebanking server on a predetermined telebanking system, the social service activity confirmation information registration server 110 ) Is a predetermined telebanking server (for example, an Automatic Response Service (ARS) server) provided on the telebanking system, or a program provided in the telebanking server, or the financial system through the telebanking system. The finance which is a predetermined server (or device) accessible to the external system of 120, a program included in the server (or device), or accessible through the telebanking server (or the server (or device)). It may be a server (or device) provided in the external system on the system 120, or a program provided in the external system on the financial system 120, thereby The present invention is not limited.

According to another exemplary embodiment of the present invention, when the social service group terminal 135 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the social service activity confirmation information registration server 110 is a predetermined TV banking server provided on the TV banking system, a program provided on the TV banking server, or a predetermined accessible to the external system of the financial system 120 through the TV banking system. A server (or device) of a server, a program included in the server (or device), or an external system on the financial system 120 accessible through the TV banking server (or the server (or device)). It may be a server (or a device) or a program provided in the external system on the financial system 120, whereby the present invention is not limited.

According to an embodiment of the present invention, the social service activity identification information registration server 110 connects and manages a predetermined communication channel with the social service group terminal 135 through the network means 700 (or Interface means).

When the social service group terminal 135 is a social service group terminal 135 including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network according to an embodiment of the present invention, the interface unit 700 ) Connects a predetermined communication channel with the social service group terminal 135 based on a protocol stack defined in the wired communication network or a wireless communication network, and the communication defined in the communication program provided in the social service group terminal 135. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) using a protocol.

For example, when the social service group terminal 135 is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 700 is based on the TCP / IP protocol. A communication channel is connected to the communication channel 135, and a communication interface for transmitting and receiving a web page (for example, a Hyper-Text Markup Language (HTML) compatible web page) or information is provided using the HTTP protocol defined in the browser program.

Alternatively, when the social service group terminal 135 is provided with a communication program (eg, an internet banking program) provided by the social service activity confirmation information registration server 110, the interface unit 700 may be configured to use the TCP / IP. It connects a communication channel with the social service group terminal 135 based on a protocol, and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the social service group terminal 135 is a social service group terminal 135 including a wireless terminal connected to a predetermined wireless communication network, the interface unit 700 is wireless. At least one or more communication channels connected to the social service group terminal 135 and a predetermined communication channel based on a protocol stack defined in a communication network, and using a communication protocol defined in a communication program included in the social service group terminal 135. It is desirable to provide a communication interface for transmitting and receiving information (or data).

For example, when the social service group terminal 135 includes a browser program corresponding to a WAP (Wireless Application Protocol) or a ME (Mobile Explorer) protocol, the interface unit 700 performs the social service based on the CDMA protocol. A communication channel is connected to the group terminal 135 and a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information transmission and reception are performed using the WAP / ME protocol defined in the browser program. Provides a communication interface for

Alternatively, when the social service group terminal 135 is provided with a communication program (eg, an IC chip-based banking program) provided by the social service activity confirmation information registration server 110, the interface unit 700 may be configured. It connects the communication channel with the social service organization terminal 135 based on the CDMA protocol, and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the social service group terminal 135 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 700 connects to the wired telephone network or a wireless telephone network. It is preferable to connect the call terminal (not shown) with a predetermined call path based on a defined voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 700 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the social service group terminal 135 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 700 is defined in the TV banking system. At least one or more information using a communication protocol defined in a communication program provided in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on a protocol stack. It is desirable to provide a communication interface for (or data) transmission and reception.

Referring to FIG. 7, the social service activity confirmation information registration server 110 has a predetermined social service group terminal 135 through the interface unit 700 and the social service activity confirmation information registration server 110 When the communication channel is connected, the social service activity confirmation information registration server is inputted (or selected) predetermined social service activity confirmation information from the social service group terminal 135 to repay the debt for the social service activity. An interface for generating (or extracting) at least one user interface for transmitting to the 110 and providing the generated (or extracted) user interface to the social service group terminal 135 in association with the interface unit 700. The service unit 705 (or the interface providing means) and the social service group terminal 135 inputs the social service activity confirmation information through the user interface (and And the information receiving unit 710 (or information receiving means) for receiving the social service activity confirmation information transmitted from the social service group terminal 135 in association with the interface unit 700. It is characterized by.

The interface provider 705 connects the social service activity confirmation information registration server 110 and a predetermined communication channel through the interface unit 700 by the social service group terminal 135, and then the social service. When requesting a user interface for repayment of debt for the social service activity to the activity confirmation information registration server 110, the social service group terminal 135 inputs (or selects) predetermined social service activity confirmation information; Generate at least one user interface for transmitting to the social service activity confirmation information registration server 110 through a network means, or extract it from a predetermined database (not shown), and generate the data in conjunction with the interface unit 700. (Or extracted) the user interface is provided to the social service group terminal 135 through the network means.

According to an embodiment of the present invention, when the social service group terminal 135 is a social service group terminal 135 including a wired terminal connected to a predetermined wired communication network, the interface provider 705 provides the social service. Create (or extract) a predetermined user interface that can be provided by a browser program or a communication program included in the group terminal 135, and generate the user interface that is generated (or extracted) through the interface unit 700. It is preferable to provide to the terminal 135.

According to another exemplary embodiment of the present invention, when the social service group terminal 135 is a social service group terminal 135 including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 705 is the above. Create (or extract) a predetermined user interface that can be provided by a browser program or a communication program included in the social service group terminal 135 and perform the social interface on the generated (or extracted) user interface through the interface unit 700. It is preferable to provide to the service group terminal 135.

According to another exemplary embodiment of the present invention, when the social service group terminal 135 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 705 includes the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS-based user interface) through the interface unit 700 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the social service group terminal 135 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface providing unit 705 is the wired terminal (or two-way). It is preferable to generate (or extract) a predetermined user interface that can be provided to a digital TV, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 700. Do.

According to another embodiment of the present invention, input (or select) predetermined social service activity confirmation information to the social service group terminal 135 and transmit it to the social service activity confirmation information registration server 110 through the network means. When the predetermined confirmation information registration program having at least one user interface is provided, the predetermined social service activity confirmation information is input (or selected) as described above and transmitted to the social service activity confirmation information registration server 110. The interface providing unit 705 which generates (or extracts) a user interface to be provided to the social service group terminal 135 may be omitted, and the present invention is not limited thereto.

Thereafter, the social service group terminal 135 inputs (or selects) community service activity confirmation information including at least one of the customer information, the social service group information, the social service contents information, and the social service authentication information through the user interface. And transmits the input (or selected) social service activity confirmation information to the social service activity confirmation information registration server 110 through the network means, and correspondingly, the information receiving unit 710 is connected to the interface unit ( 700 and the social service activity confirmation information transmitted from the social service group terminal 135, characterized in that for receiving.

According to the implementation method of the present invention, the social service activity confirmation information is preferably made of customer information, social service group information, social service content information, social service authentication information and the like.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system 120 associated with the deposit (or savings) account opening system in response to the customer; It is preferable to include at least one or more.

The social service group information is information on an organization supporting the social service activity, including the address of the social service group (or homepage address) and the institution managing the social service group (for example, the city / gu / county of jurisdiction). It is preferable to include at least one.

The information on the contents of the social service includes the types of work (e.g., endeavor service, learning service, functional service, medical service, emotional service, work support service, cultural service, professional service, community service, and community culture) Center service, etc.) and social service hours (or days).

The social service authentication information is information for identifying the social service organization in the social service activity confirmation information registration server 110, and preferably includes at least one or more social service group authentication code and social service group authentication code. .

According to an exemplary embodiment of the present invention, the social service group terminal 135 includes the social service activity confirmation information including at least one or more of the customer information, social service group information, social service contents information, and social service authentication information. At least one or more predetermined password or security card information or OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the social service activity confirmation information in the activity confirmation information registration server 110 In addition, it is preferable to transmit to the social service activity confirmation information registration server 110 through the network means.

According to an embodiment of the present invention, the social service group terminal 135 includes at least one social service activity confirmation information including at least one or more of the customer information, social service group information, social service contents information, and social service authentication information. Encrypt using an encryption method (for example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, etc.) or a predetermined electronic signature to the social service activity confirmation information. It is preferable to transmit to the social service activity confirmation information registration server 110 through the network means, for this purpose, the social service group terminal 135 has at least one encryption key corresponding to the encryption method or Or a predetermined certificate containing at least one encryption key. Or, or it is preferred that the certificate is provided with the predetermined IC chip, if that is provided on (or IC card), the card to verify the certificate provided in the IC chip (or IC card) reader.

Those skilled in the art to which the present invention pertains include technical features for various encryption methods for encrypting the social service activity identification information, and technical features for attaching a predetermined electronic signature to the social activity activity identification information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Referring to FIG. 7, the social service activity confirmation information registration server 110 receives the social service activity confirmation information transmitted from the social service group terminal 135 through the information receiver 710. It is characterized in that it comprises a validity verification unit 715 (or validity verification means) for confirming whether the social service activity confirmation information satisfies the validity for repayment of the debt for the social service activity.

According to an embodiment of the present invention, the social service activity identification information is at least one encryption method (eg, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.) ), The validity confirming unit 715 is configured to at least one decryption method (for example, a symmetric key based decryption method or a public key based decryption method) corresponding to the encrypted social service activity confirmation information. Or electronic envelope-based decryption scheme, or key exchange-based decryption scheme, etc.), thereby validating the validity of the received social service activity confirmation information.

Alternatively, when a predetermined electronic signature is attached to the social service activity confirmation information, the validity verification unit 715 checks the electronic signature attached to the social service activity confirmation information, thereby receiving the received social service activity confirmation information. It is desirable to authenticate validity.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted social service activity identification information, and technology for confirming an electronic signature attached to the social service activity identification information. Since you will be familiar with the features, a detailed description thereof will be omitted.

When the social service activity confirmation information received through the information receiving unit 710 according to the embodiment of the present invention further includes a predetermined password for confirming the validity of the social service activity confirmation information, the validity confirmation unit (715) compares and authenticates the password included in the social service activity confirmation information and the password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received social service activity confirmation information. Do.

Alternatively, when the social service activity confirmation information received through the information receiving unit 710 further includes predetermined security card information for confirming the validity of the social service activity confirmation information, the validity confirmation unit 715 Compares and authenticates the security card information included in the social service activity confirmation information with the security card information provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received social service activity confirmation information. It is preferable.

Alternatively, when the social service activity confirmation information received through the information receiving unit 710 further includes a predetermined OTP code for confirming the validity of the social service activity confirmation information, the validity confirmation unit 715 is Comparing and authenticating the received OTP code included in the social service activity confirmation information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received social service activity confirmation information It is desirable to authenticate the validity of the.

According to the method of the present invention, the validity of the social service activity confirmation information is the social service activity confirmation information to the ledger D / B (125) on the financial system 120 associated with the social service activity confirmation information registration system It is preferable to include a check whether at least one or more ledger information is matched with.

For example, the validity checker 715 may include a financial system in which the customer information (customer personal information, member information, etc.) is linked to the social service activity confirmation information registration system among information included in the social service activity confirmation information ( It is preferably made to include matching with the customer ledger stored in the ledger D / B (125).

In addition, the verification of the validity of the social service activity check information is the social service activity authentication information included in the social service activity confirmation information and the social service activity confirmation information registration server 110 provided on the storage medium (735) Preferably, the method includes comparing and authenticating authentication information provided corresponding to a social service group.

In addition, the verification of the validity of the social service activity confirmation information is the information contained in the social service activity confirmation information, the customer information, social service group information, social service content information is the social service activity confirmation information registration server 110 It is preferably made to include matching with customer information, social service group information, social service content information included in the storage medium 735 provided in the.

Referring to FIG. 7, when the validity of the social service activity confirmation information is authenticated through the validity confirmation unit 715, the social service activity confirmation information registration server 110 includes the received social service activity confirmation information. An electronic document generation unit (or electronic document generating means) for generating a predetermined social service confirmation electronic document, and transmitting the generated social service confirmation electronic document to an electronic document repository associated with the social service activity confirmation information registration system It is characterized by comprising an electronic document transmission unit (or electronic document transmission means).

The electronic document generating unit generates a social service confirmation electronic document including the social service activity confirmation information received from the social service group terminal 135 through the information receiving unit 710.

According to an exemplary embodiment of the present invention, the electronic document generation unit may include customer information, social service group information, social service content information, and social service authentication information included in social service activity confirmation information received through the information receiving unit 710. Generating at least one document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including the document content; A word processing file, or a web document file including an MHT) is preferably processed as a social service confirmation electronic document for repayment of the debt for the social service activity.

Alternatively, the electronic document generation unit includes at least one document information including customer information, social service group information, social service content information, and social service authentication information included in social service activity confirmation information received through the information receiving unit 710. And generating at least one or more information of the customer information, the social service group information, the social service content information, and the social service authentication information included in the social service activity confirmation information in the document content by a watermarking method. A document file including document content including the watermarking (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or MHT). Web document file, etc.), including the social service confirmation e-mail for the payment of debts for the social service activities It is preferred to process with.

Alternatively, the electronic document generation unit includes at least one document information including customer information, social service group information, social service content information, and social service authentication information included in social service activity confirmation information received through the information receiving unit 710. And a social service for repaying the debt for the social service activity by generating an image file including image content (eg, image content generated by capturing the document content on a memory) which captured the document content. It is desirable to process it as a confirmation electronic document.

Alternatively, the electronic document generation unit includes at least one document information including customer information, social service group information, social service content information, and social service authentication information included in social service activity confirmation information received through the information receiving unit 710. And the customer information included in the social service activity identification information, the social service group information, and the social image content (e.g., image content generated by capturing the document content on a memory) captured by the document content. After including at least one or more of the service content information and social service authentication information in the watermarking (Watermarking) method, the society for repaying the debts for the social service activity an image file containing the image content including the watermarking It is preferable to process the service confirmation electronic document.

According to another exemplary embodiment of the present invention, the electronic document generating unit includes customer information, social service group information, social service content information, and social service authentication information included in social service activity confirmation information received through the information receiving unit 710. A predetermined document file (eg, PDF) that generates document content including at least one of the document content, and includes image content (eg, image content generated by capturing the document content on a memory). (Portable Document Format) files, EDI (Electronic Data Interchange) files, word processor files including at least one of HWP / DOC, or web document files including MHT). It is advisable to treat it as an electronic service confirmation electronic document for repayment of debts.

Alternatively, the electronic document generation unit includes at least one document information including customer information, social service group information, social service content information, and social service authentication information included in social service activity confirmation information received through the information receiving unit 710. And the customer information included in the social service activity identification information, the social service group information, and the social image content (e.g., image content generated by capturing the document content on a memory) captured by the document content. Create image content including at least one of service content information and social service authentication information in a watermarking manner, and include a document file (eg, PDF (Portable Document Format) including the image content including the watermarking. ) Files, or EDI (Electronic Data Interchange) files, or at least one or more HWP / DOC, etc. By generating a word processor file, or a web document file containing the MHT, etc.), it is preferable to process as a social service confirmation electronic document for repayment of the debt for the social service activity.

According to another exemplary embodiment of the present invention, the electronic document generation unit includes customer information, social service group information, social service content information, and social service authentication included in social service activity confirmation information received through the information receiving unit 710. Generating document content including at least one information, including image content (eg, image content generated by capturing the document content on a memory) and the social service activity confirmation information; A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By generating, it is preferable to process as a social service confirmation electronic document for repayment of the debt for the social service activity.

Alternatively, the electronic document generator includes at least one document information including customer information, social service group information, social service content information, and social service authentication information included in the social service activity confirmation information received through the information receiving unit 710. And the customer information included in the social service activity identification information, the social service group information, and the social image content (e.g., image content generated by capturing the document content on a memory) captured by the document content. A document file including image content including at least one of service contents information and social service authentication information by a watermarking method, the image file including the watermarking, and the community service activity identification information ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or By generating a word processor file including at least one HWP / DOC, or a web document file including the MHT, etc.), it is preferable to process the social service confirmation electronic document for repayment of the debt for the social service activity. .

In the technical field to which the present invention pertains, the electronic document generating unit may correspond to the technical features of generating a social service confirmation electronic document in an image file format or a predetermined document file format, and correspond to the social service confirmation electronic document. Since you will be familiar with the technical features of the file format for the image file or document file, detailed description thereof will be omitted for convenience.

The electronic document transmission unit transmits and stores the social service confirmation electronic document generated by the electronic document generation unit to a predetermined electronic document repository associated with the social service activity confirmation information registration system.

As shown in FIG. 7, the electronic document repository includes a predetermined electronic document server 115 connected to the social service activity confirmation information registration server 110 on the social service activity confirmation information registration system through a predetermined communication means. When provided externally including an electronic document D / B 755, the electronic document transmitting unit transmits the social service confirmation electronic document generated by the electronic document generating unit through the communication means. It characterized in that the transmission to.

Here, when the electronic document server 115 and the electronic document D / B 755 is provided outside the social service activity confirmation information registration system, the electronic document server 115 and the electronic document D / B ( 755 is preferably managed by an accredited agency.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the social service activity confirmation information registration system, the electronic document transmission unit generates the social service confirmation electronics by the electronic document generation unit. It is possible to store the document in the electronic document D / B 755 corresponding to the electronic document storage on the DBMS provided in the social service activity confirmation information registration system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit may input (select) the electronic document related information (for example, the social service activity confirmation information) to generate predetermined electronic document management information in the electronic document server 115. It is possible to transmit to the electronic document repository further comprises the customer information sent, or the financial institution information for transmitting the social service confirmation electronic document, or the electronic document file format information, or the social service activity confirmation information, etc., Thereby, this invention is not limited.

Referring to FIG. 7, the social service activity confirmation information registration server 110 is responsible for the social service activity confirmation information received through the information receiving unit 710 through the validity confirming unit 715. When the validity for the reimbursement of gold is certified, the customer information, the social service group information, the social service contents information, and the social service activity confirmation information registration server 110 included in the validity of the certified social service activity confirmation information On the basis of the amount information generation unit 720 (or amount information generating means) for generating predetermined amount of debt repayment amount information through the set amount information per unit time included in the storage medium 735 and the debt repayment amount information generated; Debt amount repayment unit 725 (or debt amount reimbursement means) for processing debt repayment through the social service activity in connection with financial system 120 and the generated debt repayment Information storage unit 730 (or information storage means) for storing the amount of money information in a predetermined storage medium 735, and the repayment of debts in connection with the financial system 120 in the ledger D / B (125) It is characterized by comprising a).

When the validity of the social service activity confirmation information is confirmed by the validity confirmation unit 715, the amount information generation unit 720 includes the customer information, social service group information, and the society included in the social service activity confirmation information. The debt repayment amount information is generated by using the service contents information and the information on the amount of charge per unit time included in the storage medium 735 included in the social service activity confirmation information registration server 110, and the debt amount reimbursement is generated. The unit 725 may be configured to process debt payment through the social service activity in connection with the financial system 120 on the basis of the generated debt repayment amount information, and the information storage unit 730 may The debt repayment amount information generated by the amount information generation unit 720 is stored in the storage medium 735 and linked to the financial system 120 to the debt amount repayment unit 725. Characterized in the repayment of debts stored in the ledger D / B (125), the storage medium 735 is provided in the social service activity confirmation information registration server 110, or register the social service activity confirmation information When provided on the network associated with the server 110, the information storage unit 730 is the customer information, social service group information, social service content information and social service authentication information included in the received social service activity confirmation information It is preferable to store the data in the storage medium 735 by cooperative processing, and when the storage medium 735 is provided in the DBMS provided on the financial system 120, the information storage unit 730 is received Customer information, social service group information, social service contents information, and social service certification information included in the social service activity confirmation information are provided to the information system through the external system on the financial system 120 on the financial system 120. It is preferred to store the bidoen DBMS.

Referring to FIG. 7, a predetermined social service confirmation electronic document is received from the social service activity confirmation information registration server 110 provided on the social service activity confirmation information registration system, and a predetermined electronic document D / B 755 is provided. The electronic document server 115 that stores and manages the electronic document receiving unit 740 (or electronic) receives a predetermined social service confirmation electronic document from the social service activity confirmation information registration server 110 through a predetermined communication means. A document receiving means) and an information generating unit 745 (or information generating means) for generating predetermined electronic document management information for storing and managing the received social service confirmation electronic document in the electronic document D / B 755. And an electronic document storage unit 750 (or electronic document storage means) for linking the electronic document management information with the social service confirmation electronic document and storing the electronic document management information in a predetermined electronic document D / B 755. G It is characterized by.

The electronic document receiving unit 740 is characterized in that for receiving the social service confirmation electronic document in the form of an image file or a document file from the social service activity confirmation information registration server 110 through the communication means.

According to the exemplary embodiment of the present invention, the social service confirmation electronic document received by the electronic document receiving unit 740 through the communication means is the social service activity confirmation information registration server 110 by the social service group terminal 135. Document files (e.g., Portable Document Format (PDF) containing document information including at least one of customer information, social service group information, social service contents information, and social service certification information included in the social service activity confirmation information received from File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT.

Alternatively, the social service confirmation electronic document that the electronic document receiving unit 740 receives through the communication means is a social service activity confirmation that the social service activity confirmation information registration server 110 receives from the social service group terminal 135. Customer information, social service group information, and social service content included in the information on the social service activity in document content including at least one information included in the information, social service group information, social service content information, and social service certification information. After including at least one of the information and the social service authentication information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or EDI (Electronic) Data Interchange) file, a word processor file including at least one of HWP / DOC, etc., or a web text including MHT. It is preferred which comprises a file, and so on).

Alternatively, the social service confirmation electronic document that the electronic document receiving unit 740 receives through the communication means is a social service activity confirmation that the social service activity confirmation information registration server 110 receives from the social service group terminal 135. Image content (e.g., generated by capturing the document content on a memory) that captures document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the information. Preferably an image file containing one image content).

Alternatively, the social service confirmation electronic document that the electronic document receiving unit 740 receives through the communication means is a social service activity confirmation that the social service activity confirmation information registration server 110 receives from the social service group terminal 135. Image content (e.g., generated by capturing the document content on a memory) that captures document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the information. Image content) includes at least one of customer information, social service group information, social service content information, and social service authentication information included in the social service activity confirmation information in a watermarking manner. It is preferable to include an image file including the included image content.

According to another embodiment of the present invention, the social service confirmation electronic document received by the electronic document receiving unit 740 through the communication means is the social service activity confirmation information registration server 110 the social service group terminal 135 Image content (e.g., captured) of document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the social service activity confirmation information received from At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including document content generated by capturing document content on a memory. Word processor files, or web document files containing MHT).

Alternatively, the social service confirmation electronic document that the electronic document receiving unit 740 receives through the communication means is a social service activity confirmation that the social service activity confirmation information registration server 110 receives from the social service group terminal 135. Image content (e.g., generated by capturing the document content on a memory) that captures document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the information. Image content) to generate image content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the social service activity confirmation information by a watermarking method. And a document file including image content including the watermarking (eg, Portable Document Fo (PDF). rmat) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the social service confirmation electronic document received by the electronic document receiving unit 740 through the communication means is the social service activity confirmation information registration server 110 is the social service group terminal ( Image content (e.g., captured) of document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the social service activity confirmation information received from 135) A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) including document contents captured by the image on a memory and generated by the social service activity confirmation information. And a word processor file including at least one of the above, or a web document file including the MHT). It is.

Alternatively, the social service confirmation electronic document that the electronic document receiving unit 740 receives through the communication means is a social service activity confirmation that the social service activity confirmation information registration server 110 receives from the social service group terminal 135. Image content (e.g., generated by capturing the document content on a memory) that captures document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the information. Image content) including image information including at least one or more of customer information, social service group information, social service content information, and social service authentication information included in the social service activity confirmation information in a watermarking manner. And a door including image content including the watermarking and the social service activity identification information. A file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable.

The information generating unit 745 is a predetermined electronic document unique number (or unique information) to be assigned to the social service confirmation electronic document received through the electronic document receiving unit 740, and through the electronic document receiving unit 740 And generating electronic document management information including electronic document storage date and time information including a date and time when the social service confirmation electronic document was received (or a date and time at which the social service confirmation electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 745 refers to the social service activity confirmation information registration server 110 that transmits the social service confirmation electronic document received through the electronic document receiving unit 740. It is preferable to identify a financial institution that has transmitted the social service confirmation electronic document and generate electronic document management information further including the confirmed financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the social service activity confirmation information registration server 110 through the electronic document receiving unit 740, the information generating unit 745 Is information about the received electronic document (for example, the customer information transmitted by inputting (selecting) the social service activity confirmation information, financial institution information for transmitting the social service confirmation electronic document, or electronic document file format information, or It is preferable to generate the electronic document management information further comprising the social service activity confirmation information).

The electronic document storage unit 750 associates the social service confirmation electronic document received through the electronic document receiving unit 740 with the electronic document management information generated by the information generation unit 745 to process a predetermined electronic document D. / B (755) characterized in that the storage.

According to the exemplary embodiment of the present invention, the social service confirmation electronic document stored in the electronic document storage unit 750 in the electronic document D / B 755 is the social service activity confirmation information registration server 110 in the social community. Document file including document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the social service activity confirmation information received from the service group terminal 135 (eg, A PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

Alternatively, the social service confirmation electronic document stored in the electronic document D / B 755 by the electronic document storage unit 750 is the social service activity confirmation information registration server 110 by the social service group terminal 135. Customer information and social information included in the social service activity confirmation information in document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the social service activity confirmation information received from After including at least one or more information of the service organization information, social service content information and social service authentication information in a watermarking method, a document file (eg, PDF (Portable Document Format) containing the document content including the watermarking ), Or an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web including MHT. It comprises a document file, etc.) is preferred.

Alternatively, the social service confirmation electronic document stored in the electronic document D / B 755 by the electronic document storage unit 750 is the social service activity confirmation information registration server 110 from the social service group terminal 135. Image content capturing document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the received social service activity confirmation information (for example, It is preferably made to include an image file (including image content generated by capturing on the memory).

Alternatively, the social service confirmation electronic document stored in the electronic document D / B 755 by the electronic document storage unit 750 is the social service activity confirmation information registration server 110 by the social service group terminal 135. Image content capturing document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the social service activity confirmation information received from the service content (for example, the document content). Image content generated by capturing the image in memory into at least one of customer information, social service group information, social service content information, and social service authentication information included in the social service activity identification information by watermarking. After the inclusion, the watermarking may include an image file including the image content.

According to another exemplary embodiment of the present invention, the social service confirmation electronic document stored in the electronic document storage unit 750 in the electronic document D / B 755 is the social service activity confirmation information registration server 110. Image capturing document contents including at least one of customer information, social service group information, social service content information, and social service authentication information included in the social service activity confirmation information received from the social service group terminal 135. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing content (e.g., image content generated by capturing the document content on a memory) And at least one word processor file or at least one web document file including the MHT.

Alternatively, the social service confirmation electronic document stored in the electronic document D / B 755 by the electronic document storage unit 750 is the social service activity confirmation information registration server 110 from the social service group terminal 135. Image content capturing document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the received social service activity confirmation information (for example, Image content captured on the memory) includes at least one of customer information, social service group information, social service content information, and social service authentication information included in the social service activity identification information by a watermarking method. Generating an image content, and including a document file including the water content including the watermarking (for example, PDF) Format file, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the social service confirmation electronic document stored in the electronic document storage unit 750 in the electronic document D / B 755 is the social service activity confirmation information registration server 110 Capturing document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in social service activity confirmation information received from the social service group terminal 135. A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including image content (eg, image content generated by capturing the document content on a memory) and the social service confirmation information. File), a word processor file including at least one of HWP / DOC, or a web document file including MHT). Preferable.

Alternatively, the social service confirmation electronic document stored in the electronic document D / B 755 by the electronic document storage unit 750 is the social service activity confirmation information registration server 110 from the social service group terminal 135. Image content capturing document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the received social service activity confirmation information (for example, Image content captured on the memory) includes at least one of customer information, social service group information, social service content information, and social service authentication information included in the social service activity identification information by a watermarking method. Generating an image content, and including the watermarking image content and the community service confirmation information A file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 755 by processing the electronic document storage unit 750 in association with the social service confirmation electronic document is the social service confirmation electronic. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 755 by the electronic document storage unit 750 in association with the social service confirmation electronic document is stored in the social service confirmation. The social service activity confirmation information registration server 110 that transmits the electronic document may preferably further include financial institution information that transmits the social service confirmation electronic document confirmed.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the social service activity confirmation information registration server 110, the electronic document storage unit 750 is connected with the social service confirmation electronic document. The electronic document management information stored in the electronic document D / B 755 in association with each other may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the social service activity confirmation information) or the Financial institution information for transmitting the social service confirmation electronic document, the electronic document file format information, or the like.

8A and 8B illustrate a process of registering social service activity confirmation information for repayment of debt through social service activity according to one embodiment of the present invention.

8A and 8B show the wired terminal and the wireless terminal on the social service activity confirmation information registration system shown in FIG. 7, the social service group terminal 135, and the social service activity confirmation information registration server 110. In the case where the social service group terminal 135 has a web server function accessible through a predetermined network means, a predetermined social service group may be assigned to pay the debts of the customer for the social service activity. When providing the service information of the social service activity including at least one of customer information, social service group information, social service content information and social service authentication information through the service group terminal 135, the social service activity confirmation information registration system Generate a predetermined social service confirmation electronic document containing the provided social service activity confirmation information and store it in a predetermined electronic document repository; Links the customer information, the social service group information, the social service contents information, and the social service authentication information included in the previous social service activity identification information to generate debt repayment amount information of the customer, and is linked with the financial system 120. Pays the customer's debts based on the generated debt repayment amount information, and stores the generated debt repayment amount information in a predetermined storage medium 735 and stores the debt repayment details in the financial system 120. Regarding an implementation method of storing in the ledger D / B 125 provided to the present invention, those skilled in the art to which the present invention pertains may refer to or modify the drawings 8a and 8b, and the social service group terminal ( 135 may be inferred from the various implementation methods for registering the social service activity confirmation information registration server 110 with the social service activity confirmation information, the present invention is It includes all the implementation methods inferred and is not limited to the implementation methods shown in Figs. 8A and 8B.

For example, in the method shown in FIGS. 8A and 8B, the social service activity identification information registration server 110 has a user interface for the social service group terminal 135 to input (or select) the social activity activity identification information. Although illustrated as being provided through a predetermined web page provided by the user, the social service group terminal 135 is provided with a predetermined confirmation information registration program, the user interface is the social service activity confirmation information registration server ( It does not have to be provided from 110, whereby the present invention is not limited.

Hereinafter, in FIG. 8A and FIG. 8B, the social service group terminal 135 shown in FIG. 7 is referred to as a "terminal" for convenience, and the social service activity confirmation information registration server 110 shown in FIG. Server ", and the customer information, social service group information, social service content information and social service authentication information transmitted from the social service group terminal 135 to the social service activity confirmation information registration server 110 for convenience" society Volunteer activity confirmation information. "

8A and 8B, when the social service group terminal 135 illustrated in FIG. 7 is a predetermined network means (eg, the social service group terminal 135 is a wired terminal), a TCP / IP based wired communication network When the social service group terminal 135 is a wireless terminal, the server is connected to the server through a CDMA-based (or HSDPA-based) mobile communication network, an IEEE 802.16x-based portable Internet, or an IEEE 802.11x-based wireless LAN). Connecting a communication channel and requesting a web page including a user interface for debt repayment for the social service activity (800), in response, the server responds to the customer information, social service group information, and social service content. A web page including a user interface for inputting (or selecting) social service activity confirmation information including at least one information and social service authentication information to be transmitted to the server Whether the generated (or extracted), and (805), and outputs via the network means sends a web page containing the created user interface (or extract) to the mobile station 810.

According to an embodiment of the present invention, the process of transmitting or outputting the web page from the server to the terminal is preferably performed at least once according to the social service activity confirmation information registration procedure, and thus the present invention is not limited thereto. .

Thereafter, the terminal inputs (or selects) community service activity confirmation information including at least one or more customer information, community service group information, community service contents information, and community service certification information through a user interface included in the web page ( 815).

If the terminal receives (or selects) social service activity confirmation information including the customer information, social service group information, social service content information, and social service authentication information through the user interface (820), the terminal receives the The customer information, the social service group information, the social service content information, and the social service authentication information, which are input (or selected) through the communication channel, are transmitted to the server (825).

According to an embodiment of the present invention, the terminal may include at least one of the customer service information, the social service group information, the social service content information, and the social service authentication information including the social service activity confirmation information at the server. At least one or more of a predetermined password or security card information or an OTP code generated through a predetermined one time password (OTP) generator for verifying the validity of the transmission to the server through the network means Do.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric) of social service activity identification information including at least one of the customer information, social service group information, social service content information, and social service authentication information. The network means by encrypting with a key-based encryption method, a public key-based encryption method, an electronic envelope-based encryption method, a key exchange-based encryption method, or the like, or by attaching a predetermined electronic signature to the social service confirmation information. It is preferable to transmit to the server through, for this purpose, the terminal has at least one or more encryption keys corresponding to the encryption scheme, or a predetermined public certificate including at least one or more encryption keys, or When an accredited certificate is provided on a given IC chip (or IC card) It is preferably provided with the IC chip card reader to make sure the certificate provided in (or IC card).

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric) of social service activity identification information including at least one of the customer information, social service group information, social service content information, and social service authentication information. Key-based encryption method, public key-based encryption method, electronic envelope-based encryption method, key exchange-based encryption method, etc.) and transmit the encrypted data to the server through the network means. In the case of having at least one encryption key corresponding to an encryption method, or a predetermined public certificate including at least one or more encryption keys, or when the public certificate is provided on a predetermined IC chip (or IC card), Card for checking the official certificate provided in the IC chip (or IC card) It is further provided that is preferred.

Those skilled in the art to which the present invention pertains include technical features for various encryption methods for encrypting the social service activity identification information, and technical features for attaching a predetermined electronic signature to the social activity activity identification information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information, the social service group information, the social service contents information, and the social service authentication information through the communication channel to confirm the validity of the social service activity confirmation information (830).

According to an embodiment of the present invention, the social service activity identification information is at least one encryption method (eg, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.) ), The server determines at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encrypted method. Method, or a key exchange based decryption method, etc.), it is preferable to authenticate the validity of the received social service activity confirmation information.

Alternatively, when a predetermined electronic signature is attached to the social service activity confirmation information, the server verifies the validity of the received social service activity confirmation information by checking the electronic signature attached to the social service activity confirmation information. It is preferable.

Those skilled in the art to which the present invention pertains check the technical features of the various decryption methods for decrypting the encrypted social service activity identification information, and confirming the electronic signature attached to the social service activity identification information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, if the social service activity confirmation information received through the information receiving unit 710 further includes a predetermined password for checking the validity of the social service activity confirmation information, the server is It is preferable to authenticate the validity of the received social service activity identification information by comparing and authenticating the password included in the social service activity identification information and the password provided corresponding to the customer on the DBMS.

Alternatively, when the social service activity confirmation information received through the information receiving unit 710 further includes predetermined security card information for confirming the validity of the social service activity confirmation information, the server performs the social service activity. It is preferable to authenticate the validity of the received social service activity confirmation information by comparing and authenticating the received security card information included in the confirmation information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the social service activity confirmation information received through the information receiving unit 710 further includes a predetermined OTP code for confirming the validity of the social service activity confirmation information, the server checks the social service activity. The validity of the received social service activity confirmation information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to the method of the present invention, the validity of the social service activity confirmation information is the social service activity confirmation information to the ledger D / B (125) on the financial system 120 associated with the social service activity confirmation information registration system It is preferable to include a check whether at least one or more ledger information is matched with.

For example, the validity checker 715 may include a financial system in which the customer information (customer personal information, member information, etc.) is linked to the social service activity confirmation information registration system among information included in the social service activity confirmation information ( It is preferably made to include matching with the customer ledger stored in the ledger D / B (125).

In addition, the verification of the validity of the social service activity check information is the social service activity authentication information included in the social service activity confirmation information and the social service activity confirmation information registration server 110 provided on the storage medium (735) Preferably, the method includes comparing and authenticating authentication information provided corresponding to a social service group.

In addition, the verification of the validity of the social service activity confirmation information is the information contained in the social service activity confirmation information, the customer information, social service group information, social service content information is the social service activity confirmation information registration server 110 It is preferably made to include matching with customer information, social service group information, social service content information included in the storage medium 735 provided in the.

If the validity of the social service activity confirmation information is not authenticated (835), the server generates a web page including predetermined confirmation information registration error information and transmits it to the terminal (840) and confirms the social service activity. Do not perform the confirmation information registration procedure corresponding to the information.

On the other hand, if the validity of the social service activity confirmation information is authenticated (835), the server provides at least one or more customer information, social service group information, social service content information, and social service authentication information including the social service activity confirmation information. Generates predetermined document content including 845, and generates a predetermined social service confirmation electronic document including the document content (850).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the received social service activity confirmation information. And a document file including the document content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or MHT. Web document files, etc.) is preferably processed as a social service confirmation electronic document for repayment of debts for the social service activities.

Alternatively, the server generates document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the received social service activity confirmation information, After the customer information included in the social service activity identification information, the social service group information, the social service contents information, and the social service certification information are included in a watermarking method, the document contents including the watermarking are included. A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the social service confirmation electronic document for repaying the debt for the social service activity.

Alternatively, the server generates document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the received social service activity confirmation information, and captures the document content. It is preferable to process an image file including captured image contents (e.g., image content generated by capturing the document contents on a memory) as a social service confirmation electronic document for repayment of the debt for the social service activity. Do.

Alternatively, the server generates document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the received social service activity confirmation information, and captures the document content. Captured image contents (eg, image contents generated by capturing the document contents on a memory) among customer information included in the social service activity confirmation information, social service group information, social service contents information, and social service authentication information. After including at least one or more information in a watermarking method, it is preferable to process an image file including the image content including the watermarking as a social service confirmation electronic document for repayment of the debt for the social service activity. Do.

According to another exemplary embodiment of the present invention, the server may include document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the received social service activity confirmation information. A predetermined document file (eg, a Portable Document Format (PDF) file, or EDI) that includes an image content generated by capturing the document content (eg, image content generated by capturing the document content on a memory). (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT) to confirm social service for repayment of debt for the social service activity. It is preferable to process it as an electronic document.

Alternatively, the server generates document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the received social service activity confirmation information, and captures the document content. Captured image contents (eg, image contents generated by capturing the document contents on a memory) among customer information included in the social service activity confirmation information, social service group information, social service contents information, and social service authentication information. Generate image content including at least one or more information in a watermarking manner, and include a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file containing the watermarking image content. ), Or a word processor file including at least one or more HWP / DOC, etc., or MHT By creating a web page file, etc.), including, it is desirable to process electronic documents to the Social Service confirmed Friday for debt repayment for the community service.

According to another exemplary embodiment of the present invention, the server may include at least one document content including customer information, social service group information, social service content information, and social service authentication information included in the received social service activity confirmation information. A predetermined document file (eg, PDF) including image content (eg, image content generated by capturing the document content on memory) and the social service activity confirmation information; (Portable Document Format) files, EDI (Electronic Data Interchange) files, word processor files including at least one of HWP / DOC, or web document files including MHT). It is advisable to treat it as an electronic service confirmation electronic document for repayment of debts.

Alternatively, the server generates document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the received social service activity confirmation information, and captures the document content. Captured image contents (eg, image contents generated by capturing the document contents on a memory) among customer information included in the social service activity confirmation information, social service group information, social service contents information, and social service authentication information. Create image content including at least one or more information in a watermarking method, and a document file (eg, a Portable Document Format (PDF) file) including the image content including the watermarking and the social service activity identification information. , Or at least one EDI (Electronic Data Interchange) file, or HWP / DOC. By creating a web document files, etc.) that includes a word processor file or MHT, it is desirable to process electronic documents to the Social Service confirmed Friday for debt repayment for the community service.

Those skilled in the art to which the present invention pertains include technical features that the server generates a social service confirmation electronic document in an image file format or a predetermined document file format, and an image corresponding to the social service confirmation electronic document. Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated social service confirmation electronic document in a predetermined electronic document storage (855).

As shown in FIG. 7, the electronic document repository stores a predetermined electronic document server 115 and an electronic document D / B 755 associated with a server on the social service activity confirmation information registration system through predetermined communication means. In addition, when provided to the outside, the server preferably transmits the generated social service confirmation electronic document to the electronic document server 115 through the communication means to store in the electronic document D / B (755) Do.

Alternatively, when the electronic document repository is provided on a DBMS provided in the social service activity confirmation information registration system, the server may include the DBMS provided in the social service activity confirmation information registration system. It is possible to store in the electronic document D / B 755 corresponding to the electronic document storage of the image, by which the present invention is not limited.

According to the method of the present invention, storing the social service confirmation electronic document in the electronic document storage, the electronic service shown in Figure 7 by linking the generated social service confirmation electronic document and predetermined electronic document management information It is preferable to include storing in document D / B 755.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the social service confirmation electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the social service confirmation electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information transmitted by inputting (selection) of the social service activity confirmation information, or financial institution information transmitting the social service confirmation electronic document, or electronically). Document file format information, or the social service activity confirmation information).

If the social service confirmation electronic document is stored in the electronic document repository (860), the server includes the customer information, social service group information, social service content information and social service authentication information included in the social service activity confirmation information Linked processing to generate predetermined debt repayment amount information (865).

Thereafter, the server repays the debt amount of the customer based on the generated debt repayment amount information in connection with the financial system 120. (870)

Thereafter, the server stores the generated debt repayment amount information in a predetermined storage medium 735 (875), and in connection with the financial system 120, the debt amount reimbursement details to the ledger D / B 125. Save (880)

According to an exemplary embodiment of the present invention, the storage medium 735 is provided to a DBMS on the financial system 120 provided on the social service activity identification information registration system (or associated with the social service activity identification information registration system). Preferably, the storage medium 735 is a ledger D / B (125) provided in the DBMS on the financial system 120, or a predetermined database associated with the ledger D / B (125) The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 735 is provided on (or associated with) the social service activity identification information registration system, or an internet banking system, a telebanking system, a wireless banking system, or a TV. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

9A, 9B, and 9C illustrate a process of registering social service activity identification information for repayment of debt through social service activity according to one embodiment of the present invention.

In more detail, FIGS. 9A, 9B, and 9C illustrate a case in which the social service activity identification information registration system shown in FIG. 7 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, shown in FIG. 7). When the social service activity confirmation information registration server 110 on the social service activity confirmation information registration system 110 is an Internet banking server, the social service group terminal 135 establishes a TCP / IP-based network (eg, the Internet). After accessing the internet banking server and performing a predetermined social service group authentication procedure, the social service group terminal 135 checks the predetermined amount of social service activity confirmation information for repaying the debt for the social service activity. When transmitting to the server, the Internet banking server generates a predetermined social service confirmation electronic document containing the received social service activity confirmation information and predetermined It is stored in the electronic document store, and the customer information included in the social service activity identification information, social service group information, social service content information and social service authentication information by processing the connection to generate the information on the amount of the debt repayment of the customer, In connection with the financial system 120, the customer's debt is repaid based on the generated debt repayment amount information, and the debt repayment amount information is stored in a predetermined storage medium 735 and the debt repayment details are recorded. The embodiment of the present invention stores the ledger D / B 125 provided in the financial system 120. Those skilled in the art to which the present invention pertains may refer to FIGS. 9A, 9B, and 9C. By referring to or modifying it, it is possible to infer various implementation methods for registering the social service activity confirmation information through other types of non-face-to-face financial transaction channels. All the inferred implementation methods are included, and the present invention is not limited to the implementation methods shown in FIGS. 9A, 9B, and 9C.

9A, 9B, and 9C, the Internet banking server is connected to the Internet banking server through a predetermined browser program (for example, Microsoft's Internet Explorer or Netscape's Netscape Navigator, etc.) included in the social service group terminal 135. When the connection, based on the browser program is shown an implementation method of connecting the Internet banking-based financial transaction channel for registering social service activity confirmation information between the social service group terminal 135 and the Internet banking server, the present invention belongs Those skilled in the art may refer to or modify the Internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 9A, 9B, and 9C, and mount them on the social service group terminal 135. Based on the predetermined internet banking program and the social service group terminal 135 and Although it is possible to infer a method of connecting an internet banking-based financial transaction channel for registering social service activity confirmation information between the Internet banking servers, the present invention provides an internet banking-based financial transaction provided based on the internet banking program. It includes, but the present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains to, in addition to the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in Figures 9a, 9b and 9c, telebanking The system or another banking system such as a wireless banking system or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registration of social activity confirmation information, but the present invention may provide the telebanking system or It includes all kinds of non-face-to-face channel based financial transactions, including wireless banking system or TV banking system or future proposed non-face-to-channel banking system, and the technical configuration of the present invention is shown in FIGS. 9A, 9B and 9C. It is by no means limited to Internet banking.

9a, 9b, and 9c, the social service group terminal 135 is referred to as a " terminal " for convenience, and an internet banking server corresponding to the social service activity confirmation information registration server 110 is referred to as " server " It is called.

9A, 9B, and 9C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (900a), the server connects the terminal and the server through the browser. The communication channel is connected to each other (905a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 910a).

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby the internet banking program (or internet banking). Whether to update the security module associated with the program) can be checked.

If a predetermined security module is mounted or updated in the terminal (915a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 920a.

If the terminal does not need to install or update the latest version of the security module for internet banking (925a), or if the terminal does not need to load or update the security module for internet banking (915a), the server is mounted on the terminal. By activating the security module for internet banking, a security channel for internet banking is connected between the terminal and the server (or a communication channel between the terminal and the server is converted into a security channel) (930a), where the security channel for internet banking is referred to as Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal confirms the digital signature or corresponds to the encryption scheme (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (or decryption algorithm), and also to the information (or data) to be provided to the server to register the social service activity confirmation information in the terminal When the digital signature is attached or is encrypted and transmitted using at least one encryption method (or encryption algorithm), the server verifies the electronic signature or a predetermined decryption method corresponding to the encryption method (or encryption algorithm) ( Or a communication channel for decoding the information (or data) with a decoding algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). It means a communication channel to decode the information (or data) by a decryption method (or decryption algorithm), and the predetermined electronic information to the information (or data) to be provided to the server for registration of the social service activity confirmation information in the terminal Attach a signature or at least one encryption room (Or an encryption algorithm) to transmit the data, the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel to be.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or decryption function for the information (or data) by using the customer's authorized certificate mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (935a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. Etc.) and input (or generate) the data to the authentication server, and authenticate the customer connected through the terminal as the Internet banking customer based on the customer authentication data in the authentication server, and provide the result to the server. In this case, it is preferable that the customer authentication data includes public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting it to the server (or authentication server) (940a). In operation 945a, the server (or the authentication server) authenticates the customer connected through the terminal as the Internet banking customer for the non-face-to-face financial transaction based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (950a), the server blocks the Internet banking security channel for the terminal (955a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (950a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (960a), where the Internet banking based The financial transaction channel refers to a communication channel for transmitting and registering predetermined social service activity confirmation information for repaying debts for social service activities from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for repaying the debt for the social service activity through the internet banking-based financial transaction channel (900b), the server corresponding to the customer information And generate (or select) a webpage including a user interface for inputting (or selecting) social service activity confirmation information including at least one of social service group information, social service content information, and social service authentication information to the server (or Extraction) (905b), and transmits and outputs a web page including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (910b).

According to an embodiment of the present invention, the web page inputs (or selects) social service activity confirmation information including at least one of customer information, social service group information, social service contents information, and social service authentication information in the terminal. It is preferable to include a user interface, or predetermined password or security card information (e.g., issued to the customer during the Internet banking application process) to verify the validity of the Internet banking customer requesting to register the social service activity confirmation information Security card information printed on a security card) or OTP (One Time Password) (e.g., through an internet banking application process (or after an internet banking application) created by an OTP authenticator (or OTP certification program) provided to a customer by a financial institution) And a user interface for entering a one-time password) Preferable.

In addition, the process of transmitting or outputting the web page to the terminal is preferably performed at least once according to the social service activity confirmation information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) social service activity confirmation information including at least one of the customer information, social service group information, social service contents information, and social service authentication information through the confirmation information registration interface (915b). .

If the terminal receives (or selects) social service activity confirmation information including the customer information, social service group information, social service content information, and social service authentication information through the user interface (920b), the terminal receives the The input (or selected) social service activity confirmation information is transmitted to the server through a financial transaction channel (925b).

According to an embodiment of the present invention, the terminal may include at least one of the customer service information, the social service group information, the social service content information, and the social service authentication information including the social service activity confirmation information at the server. At least one or more of a predetermined password or security card information or an OTP code generated through a predetermined one time password (OTP) generator to verify the validity of the transmission to the server through the network means. desirable.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric) of social service activity identification information including at least one of the customer information, social service group information, social service content information, and social service authentication information. The network means by encrypting with a key-based encryption method, a public key-based encryption method, an electronic envelope-based encryption method, a key exchange-based encryption method, or the like, or by attaching a predetermined electronic signature to the social service confirmation information. It is preferable to transmit to the server through, for this purpose, the terminal is provided with at least one encryption key corresponding to the encryption scheme, or a predetermined certificate containing at least one encryption key, or the authentication When a certificate is provided on a given IC chip (or IC card) It is preferable that a card reader is provided for checking the official certificate provided in the IC chip (or IC card).

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric) of social service activity identification information including at least one of the customer information, social service group information, social service content information, and social service authentication information. Key-based encryption method, public key-based encryption method, electronic envelope-based encryption method, key exchange-based encryption method, etc.) and transmit the encrypted data to the server through the network means. In the case of having at least one encryption key corresponding to an encryption method, or having a predetermined certificate including at least one encryption key, or the certificate is provided in a predetermined IC chip (or IC card), Card for checking the official certificate provided in the IC chip (or IC card) It is further provided that is preferred.

Those skilled in the art to which the present invention pertains include technical features for various encryption methods for encrypting the social service activity identification information, and technical features for attaching a predetermined electronic signature to the social activity activity identification information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the social service activity confirmation information through the financial transaction channel to confirm the validity of the social service activity confirmation information (930b).

According to an embodiment of the present invention, the social service activity identification information is at least one encryption method (eg, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.) ), The server determines at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encrypted method. Method, or a key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received social service activity confirmation information.

Alternatively, when a predetermined electronic signature is attached to the social service activity confirmation information, the server verifies the validity of the received social service activity confirmation information by checking the electronic signature attached to the social service activity confirmation information. It is preferable.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted social service activity identification information, and technology for confirming an electronic signature attached to the social service activity identification information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, if the social service activity confirmation information received through the information receiving unit 710 further includes a predetermined password for checking the validity of the social service activity confirmation information, the server is It is preferable to authenticate the validity of the received social service activity identification information by comparing and authenticating the password included in the social service activity identification information and the password provided corresponding to the customer on the DBMS.

Alternatively, when the social service activity confirmation information received through the information receiving unit 710 further includes predetermined security card information for confirming the validity of the social service activity confirmation information, the server performs the social service activity. It is preferable to authenticate the validity of the received social service activity confirmation information by comparing and authenticating the received security card information included in the confirmation information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the social service activity confirmation information received through the information receiving unit 710 further includes a predetermined OTP code for confirming the validity of the social service activity confirmation information, the server checks the social service activity. The validity of the received social service activity confirmation information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to the method of the present invention, the validity of the social service activity confirmation information is the social service activity confirmation information to the ledger D / B (125) on the financial system 120 associated with the social service activity confirmation information registration system It is preferable to include a check whether at least one or more ledger information is matched with.

For example, the validity checker 715 may include a financial system in which the customer information (customer personal information, member information, etc.) is linked to the social service activity confirmation information registration system among information included in the social service activity confirmation information ( It is preferably made to include matching with the customer ledger stored in the ledger D / B (125).

In addition, the verification of the validity of the social service activity check information is the social service activity authentication information included in the social service activity confirmation information and the social service activity confirmation information registration server 110 provided on the storage medium (735) Preferably, the method includes comparing and authenticating authentication information provided corresponding to a social service group.

In addition, the verification of the validity of the social service activity confirmation information is the information contained in the social service activity confirmation information, the customer information, social service group information, social service content information is the social service activity confirmation information registration server 110 It is preferably made to include matching with customer information, social service group information, social service content information included in the storage medium 735 provided in the.

If the validity of the social service activity confirmation information is not authenticated (935b), the server generates a web page including predetermined information registration error information and transmits it to the terminal (940b), and the social service activity confirmation information Do not perform the verification information registration procedure corresponding to.

On the other hand, if the validity of the social service activity confirmation information is authenticated (935b), the server provides at least one or more customer information, social service group information, social service contents information, and social service authentication information including the social service activity confirmation information. Generate a predetermined document content including (945b), and generates a predetermined social service confirmation electronic document containing the document content (950c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the received social service activity confirmation information. And a document file including the document content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or MHT. Web document files, etc.) is preferably processed as a social service confirmation electronic document for repayment of debts for the social service activities.

Alternatively, the server generates document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the received social service activity confirmation information, After the customer information included in the social service activity identification information, the social service group information, the social service contents information, and the social service certification information are included in a watermarking method, the document contents including the watermarking are included. A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the social service confirmation electronic document for repaying the debt for the social service activity.

Alternatively, the server generates document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the received social service activity confirmation information, and captures the document content. It is preferable to process an image file including captured image contents (for example, image contents generated by capturing the document contents on a memory) as a social service confirmation electronic document for repayment of debts for the social service activities. .

Alternatively, the server generates document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the received social service activity confirmation information, and captures the document content. Captured image contents (eg, image contents generated by capturing the document contents on a memory) among customer information included in the social service activity confirmation information, social service group information, social service contents information, and social service authentication information. After including at least one or more information in a watermarking method, it is preferable to process an image file including the image content including the watermarking as a social service confirmation electronic document for repayment of the debt for the social service activity. Do.

According to another exemplary embodiment of the present invention, the server may include document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the received social service activity confirmation information. A predetermined document file (eg, a Portable Document Format (PDF) file, or EDI) that includes an image content generated by capturing the document content (eg, image content generated by capturing the document content on a memory). (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT) to confirm social service for repayment of debt for the social service activity. It is preferable to process it as an electronic document.

Alternatively, the server generates document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the received social service activity confirmation information, and captures the document content. Captured image contents (eg, image contents generated by capturing the document contents on a memory) among customer information included in the social service activity confirmation information, social service group information, social service contents information, and social service authentication information. Generate image content including at least one or more information in a watermarking manner, and include a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file containing the watermarking image content. ), Or a word processor file including at least one or more HWP / DOC, etc., or MHT By creating a web page file, etc.), including, it is desirable to process electronic documents to the Social Service confirmed Friday for debt repayment for the community service.

According to another exemplary embodiment of the present invention, the server may include at least one document content including customer information, social service group information, social service content information, and social service authentication information included in the received social service activity confirmation information. A predetermined document file (e.g., PDF) containing image content (e.g., image content generated by capturing the document content on a memory) and the social service activity confirmation information. A Portable Document Format (EDI) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is advisable to process it as an electronic service confirmation electronic document for debt payment.

Alternatively, the server generates document content including at least one of customer information, social service group information, social service content information, and social service authentication information included in the received social service activity confirmation information, and captures the document content. Captured image contents (e.g., image contents generated by capturing the document contents on a memory), customer information included in the social service activity confirmation information, social service group information, social service content information, and social service authentication information. Create image content including at least one of the information in a watermarking (Watermarking) method, and a document file (for example, PDF (Portable Document Format) containing the watermarking image content and the social service activity identification information) At least one file, an electronic data interchange (EDI) file, or an HWP / DOC. By generating a word processor file, or a web document file including the MHT), it is preferable to process as a social service confirmation electronic document for repayment of debts for the social service activity.

Those skilled in the art to which the present invention pertains include technical features that the server generates a social service confirmation electronic document in an image file format or a predetermined document file format, and an image corresponding to the social service confirmation electronic document. Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated social service confirmation electronic document in a predetermined electronic document storage box (955c).

As shown in FIG. 7, the electronic document repository is connected to a server on the social service activity confirmation information registration system through a predetermined communication means, and a predetermined electronic document server 115 and an electronic document D / B 755. When included in the outside, the server is to transmit the generated social service confirmation electronic document to the electronic document server 115 through the communication means to store in the electronic document D / B (755) desirable.

Alternatively, when the electronic document repository is provided on a DBMS provided in the social service activity confirmation information registration system, the server may include the DBMS provided in the social service activity confirmation information registration system. It is possible to store in the electronic document D / B 755 corresponding to the electronic document storage of the image, by which the present invention is not limited.

According to the method of the present invention, storing the social service confirmation electronic document in the electronic document storage, the electronic service shown in Figure 7 by linking the generated social service confirmation electronic document and predetermined electronic document management information It is preferable to include storing in document D / B 755.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the social service confirmation electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises the financial institution information for transmitting the social service confirmation electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information transmitted by inputting (selection) of the social service activity confirmation information, or financial institution information transmitting the social service confirmation electronic document, or electronically). Document file format information, or the social service activity confirmation information).

If the social service confirmation electronic document is stored in the electronic document storage (960c), the server is the customer information and social service group information, social service content information and social service authentication information included in the social service activity confirmation information Cooperative processing generates predetermined debt repayment amount information (965c).

Thereafter, the server repays the debt amount of the customer based on the generated debt repayment amount information in connection with the financial system 120. (970c)

Thereafter, the server stores the generated debt repayment amount information in a predetermined storage medium 735 (975c) and transmits the debt amount reimbursement details to the ledger D / B 125 in association with the financial system 120. Save (980c)

According to an exemplary embodiment of the present invention, the storage medium 735 is provided to a DBMS on the financial system 120 provided on the social service activity identification information registration system (or associated with the social service activity identification information registration system). Preferably, the storage medium 735 is a ledger D / B (125) provided in the DBMS on the financial system 120, or a predetermined database associated with the ledger D / B (125) The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 735 is provided on (or associated with) the social service activity identification information registration system, or an internet banking system, a telebanking system, a wireless banking system, or a TV. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

Claims (4)

Links the customer information and the amount of debt information by selecting a small debt customer (or a customer with a depreciation bond) registered as a subject of credit management only at a predetermined financial institution by a predetermined customer information registration means as a customer to be restored to credit through social service activities. Storing in a predetermined storage medium; When the customer applies for the social service activity, storing the customer information, predetermined social service group information, social service contents information, and a fixed amount of money per unit time in a predetermined information storage means in the storage medium; When a predetermined number of customer information and social service contents including social service group information and a predetermined time (or days) are registered in a predetermined social service group terminal, a predetermined validity checking means connects with the storage medium. Confirming, by the customer, the social service effectiveness of performing a predetermined service activity in the social service organization; Generating predetermined amount of debt reimbursement amount information on the basis of the set amount information per unit time and the social service contents information in association with the storage medium in a predetermined amount information generating means; And And repaying the amount corresponding to the debt repayment amount of the debt amount of the customer in a predetermined debt amount repayment means. The method of claim 1, And storing the debt reimbursement amount information in the storage medium in association with the customer information in the information storage means. A recording medium recording a program for executing the method of claim 1. Select a small debt customer (or a customer with a depreciation bond) registered as a target for credit management only at a predetermined financial institution as a target for credit recovery through social service activities, and store the information on the storage medium by linking the customer information and the debt amount information. Customer information registration means; Information storage means for linking the customer information, predetermined social service group information, social service contents information, and set amount of money per unit time to the storage medium when the customer requests the social service activity; When the social service contents information including predetermined customer information, the social service group information, and the predetermined social service time (or number of days) is registered in a predetermined social service group terminal, the customer volunteers in connection with the storage medium. Validation means for confirming the effectiveness of the social service that performed a predetermined service activity in the organization; Money information generation means for generating predetermined amount of debt repayment amount information based on the price information per unit time and the social service content information in association with the storage medium; And And a debt amount reimbursement means for reimbursing an amount corresponding to the debt reimbursement amount among the debt amount of the customer.

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